<SEC-DOCUMENT>0001171843-15-006675.txt : 20151208
<SEC-HEADER>0001171843-15-006675.hdr.sgml : 20151208
<ACCEPTANCE-DATETIME>20151207173437
ACCESSION NUMBER: 0001171843-15-006675
CONFORMED SUBMISSION TYPE: 10-Q
PUBLIC DOCUMENT COUNT: 10
CONFORMED PERIOD OF REPORT: 20151031
FILED AS OF DATE: 20151208
DATE AS OF CHANGE: 20151207
FILER:
COMPANY DATA:
COMPANY CONFORMED NAME: AMERICAS CARMART INC
CENTRAL INDEX KEY: 0000799850
STANDARD INDUSTRIAL CLASSIFICATION: RETAIL-AUTO DEALERS & GASOLINE STATIONS [5500]
IRS NUMBER: 630851141
STATE OF INCORPORATION: TX
FISCAL YEAR END: 0430
FILING VALUES:
FORM TYPE: 10-Q
SEC ACT: 1934 Act
SEC FILE NUMBER: 000-14939
FILM NUMBER: 151273663
BUSINESS ADDRESS:
STREET 1: 802 SOUTHEAST PLAZA AVE.
STREET 2: SUITE 200
CITY: BENTONVILLE
STATE: AR
ZIP: 72712
BUSINESS PHONE: (479) 464-9944
MAIL ADDRESS:
STREET 1: 802 SOUTHEAST PLAZA AVE.
STREET 2: SUITE 200
CITY: BENTONVILLE
STATE: AR
ZIP: 72712
FORMER COMPANY:
FORMER CONFORMED NAME: CROWN GROUP INC /TX/
DATE OF NAME CHANGE: 19971022
FORMER COMPANY:
FORMER CONFORMED NAME: CROWN CASINO CORP
DATE OF NAME CHANGE: 19931104
FORMER COMPANY:
FORMER CONFORMED NAME: SKYLINK AMERICA INC
DATE OF NAME CHANGE: 19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-Q
<SEQUENCE>1
<FILENAME>gff10q_120715p.htm
<DESCRIPTION>FORM 10-Q
<TEXT>
<HTML><HEAD>
<TITLE></TITLE>
</HEAD><BODY STYLE="font: 10pt Times New Roman, Times, Serif">
<p style="margin: 0"></p>
<p style="font-size: 10pt; text-align: center; margin: 0"><b></b></p>
<p style="font-size: 10pt; text-align: center; margin: 0"><font style="font-size: 12pt"><b>UNITED STATES</b></font></p>
<p style="font-size: 10pt; text-align: center; margin: 0"><font style="font-size: 12pt"><b>SECURITIES AND EXCHANGE COMMISSION</b></font></p>
<p style="font-size: 10pt; text-align: center; margin: 0"><font style="font-size: 12pt">Washington, D.C. 20549</font></p>
<p style="font-size: 10pt; text-align: center; margin: 0"><font style="font-size: 12pt"> </font></p>
<p style="font-size: 10pt; font-weight: bold; text-align: center; margin: 0"><font style="font-size: 12pt">FORM 10-Q</font></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: center; text-indent: -19.6pt; margin: 0 0 0 19.6pt">[<b>X</b>] QUARTERLY REPORT PURSUANT
TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</p>
<p style="font-size: 10pt; text-align: center; margin: 0">For the quarterly period ended October 31, 2015</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: center; margin: 0">Or</p>
<p style="font-size: 10pt; text-align: center; margin: 0"> </p>
<p style="font-size: 10pt; text-align: center; margin: 0">[<b> </b>] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934</p>
<p style="font-size: 10pt; text-align: center; margin: 0">For the transition period from ________ to ________</p>
<p style="font-size: 10pt; text-align: center; margin: 0"> </p>
<p style="font-size: 10pt; text-align: center; margin: 0">Commission file number: 0-14939</p>
<p style="font-size: 10pt; text-align: center; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: center; margin: 0"><font style="font-size: 14pt"><b>AMERICA’S CAR-MART, INC.</b></font></p>
<p style="font-size: 10pt; text-align: center; margin: 0">(Exact name of registrant as specified in its charter)</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"></p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top; text-align: left">
<td style="width: 33%; text-align: center"><b>Texas</b></td>
<td style="width: 34%"> </td>
<td style="width: 33%; text-align: center"><b>63-0851141</b></td></tr>
<tr style="vertical-align: top; text-align: left">
<td nowrap="" style="text-align: center">(State or other jurisdiction of incorporation or organization)</td>
<td> </td>
<td nowrap="" style="text-align: center">(I.R.S.
Employer Identification No.)</td></tr>
</table>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b></b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: center; margin: 0"><b>802 Southeast Plaza Ave., Suite 200, Bentonville, Arkansas 72712</b></p>
<p style="font-size: 10pt; text-align: center; margin: 0">(Address of principal executive offices) (zip code)</p>
<p style="font-size: 10pt; text-align: center; margin: 0"> </p>
<p style="font-size: 10pt; text-align: center; margin: 0"> </p>
<p style="font-size: 10pt; text-align: center; margin: 0"><b>(479) 464-9944</b></p>
<p style="font-size: 10pt; text-align: center; margin: 0">(Registrant's telephone number, including area code)</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; margin: 0">Indicate by check mark whether the registrant: (1) has filed all reports required to be filed
by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the
registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.
Yes ☒ No ☐</p>
<p style="font-size: 10pt; margin: 0; text-indent: 0.5in"> </p>
<p style="font-size: 10pt; margin: 0">Indicate by check mark whether the registrant has submitted electronically and posted
on its corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of
Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant
was required to submit and post such files). Yes ☒ No ☐</p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; margin: 0">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated
filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated
filer” and “smaller reporting company” in Rule 12b-2 of the Exchange Act.</p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; text-indent: 0.5in; margin: 0"></p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top; text-align: left">
<td style="width: 6%"> </td>
<td style="width: 25%">Large accelerated filer ☐</td>
<td style="width: 69%">Accelerated filer ☒</td></tr>
<tr style="vertical-align: top; text-align: left">
<td> </td>
<td>Non-accelerated filer ☐</td>
<td>Smaller reporting company ☐</td></tr>
</table>
<p style="font-size: 10pt; text-indent: 0.5in; margin: 0"></p>
<p style="font-size: 10pt; text-indent: 0.5in; margin: 0"></p>
<p style="font-size: 10pt; margin: 0; text-indent: 0.5in"> </p>
<p style="font-size: 10pt; margin: 0">Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2
of the Exchange Act). Yes ☐ No ☒</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0">Indicate the number of shares outstanding of each of the issuer’s
classes of common stock, as of the latest practicable date.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0"></p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top; text-align: left">
<td style="width: 10%"> </td>
<td style="width: 30%; text-align: center"> </td>
<td style="width: 20%"> </td>
<td style="width: 30%; text-align: center">Outstanding at</td>
<td style="width: 10%"> </td></tr>
<tr style="vertical-align: top; text-align: left">
<td> </td>
<td style="text-align: center"><u>Title of Each Class</u></td>
<td> </td>
<td style="text-align: center"><U>December 1, 2015</U></td>
<td> </td></tr>
<tr style="vertical-align: top; text-align: left">
<td> </td>
<td style="text-align: center">Common stock, par value $.01 per share</td>
<td> </td>
<td style="text-align: center">8,446,966</td>
<td> </td></tr>
</table>
<p style="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0"></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0"></p>
<p style="font-size: 10pt; text-align: center; margin: 0"> <font style="background-color: yellow"></font></p>
<p style="font-size: 10pt; text-align: center; margin: 0"></p>
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<div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 4pt solid"><p style="margin: 0pt"> </p></div>
<div style="page-break-before: always; margin-top: 6pt"> </div>
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<p style="font-size: 10pt; text-align: center; margin: 0"><b>Part I. FINANCIAL INFORMATION</b></p>
<p style="font-size: 10pt; text-align: center; margin: 0; text-indent: 0.5in"> </p>
<p style="font-size: 10pt; margin: 0"><b></b></p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top; text-align: left">
<td style="width: 50%"><b>Item 1. Financial Statements</b></td>
<td style="width: 50%; text-align: right"><b>America’s Car-Mart, Inc<i>.</i></b></td></tr>
</table>
<p style="font-size: 10pt; margin: 0"><b></b></p>
<p style="font-size: 10pt; margin: 0"><b>Condensed Consolidated Balance Sheets</b></p>
<p style="font-size: 10pt; margin: 0"><b>(Unaudited)</b></p>
<p style="font-size: 10pt; margin: 0">(Dollars in thousands except share and per share amounts)</p>
<p style="font-size: 10pt; margin: 0; color: Red"><b> </b></p>
<p style="font-size: 10pt; margin: 0; color: Red"><b> </b></p>
<div data-td-taggable-table="" data-td-statement-type="balance-sheet"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" nowrap="" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">October 31, 2015</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">April 30, 2015</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt">Assets:</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="width: 74%; font-size: 10pt; text-align: left; padding-left: 10pt">Cash and cash equivalents</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">1,386</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">790</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt">Accrued interest on finance receivables</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1,699</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">2,002</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt">Finance receivables, net</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">327,229</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">324,144</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; padding-left: 10pt">Inventory</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">34,253</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">34,267</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt">Prepaid expenses and other assets</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">3,673</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">4,195</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt">Income taxes receivable, net</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">250</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">645</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; padding-left: 10pt">Goodwill</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">355</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">355</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Property and equipment, net</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">34,818</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">33,963</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 30pt">Total Assets</td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">403,663</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">400,361</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left">Liabilities, mezzanine equity and equity:</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; padding-left: 10pt">Liabilities:</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt">Accounts payable</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">11,841</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">11,022</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt">Deferred payment protection plan revenue</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">16,061</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">15,652</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt">Deferred service contract revenue</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">9,865</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">9,584</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt">Accrued liabilities</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">12,304</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">12,708</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt">Deferred income tax liabilities, net</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">18,059</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">19,178</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Revolving credit facilities</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">104,424</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">102,685</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 30pt">Total liabilities</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">172,554</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">170,829</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commitments and contingencies (Note J)</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt">Mezzanine equity:</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Mandatorily redeemable preferred stock</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">400</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">400</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; padding-left: 10pt">Equity:</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 30pt; text-indent: -10pt">Preferred stock, par value $.01 per share, 1,000,000 shares authorized; none issued or outstanding</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">-</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">-</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 30pt; text-indent: -10pt">Common stock, par value $.01 per share, 50,000,000 shares authorized; 12,708,291 and 12,688,890 issued at October 31, 2015 and April 30, 2015, respectively, of which 8,458,966 and 8,529,223 were outstanding at October 31, 2015 and April 30, 2015, respectively</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">127</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">127</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt">Additional paid-in capital</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">63,882</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">62,428</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt">Retained earnings</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">297,910</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">293,798</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 30pt; text-indent: -10pt; padding-bottom: 1pt">Less: Treasury stock, at cost, 4,249,325 and 4,159,667 shares at October 31, 2015 and April 30, 2015, respectively</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="font-size: 10pt; text-align: left; border-bottom: Black 1pt solid"> </td><td style="font-size: 10pt; text-align: right; border-bottom: Black 1pt solid">(131,310</td><td style="font-size: 10pt; text-align: left; border-bottom: Black 1pt solid">)</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="font-size: 10pt; text-align: left; border-bottom: Black 1pt solid"> </td><td style="font-size: 10pt; text-align: right; border-bottom: Black 1pt solid">(127,321</td><td style="font-size: 10pt; text-align: left; border-bottom: Black 1pt solid">)</td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 30pt">Total stockholders' equity</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">230,609</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">229,032</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Non-controlling interest</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">100</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">100</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 30pt">Total equity</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">230,709</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">229,132</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; padding-left: 30pt">Total Liabilities, Mezzanine Equity and Equity</td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">403,663</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">400,361</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td></tr>
</table></div>
<p style="font-size: 10pt; margin: 0; color: Red"></p>
<p style="font-size: 10pt; margin: 0; color: Red"><b> </b></p>
<p style="font-size: 10pt; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; margin: 0">The accompanying notes are an integral part of these condensed consolidated financial statements.</p>
<p style="font-size: 10pt; margin: 0"><b> </b></p>
<p style="font-size: 10pt; margin: 0"><b></b></p>
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<tr style="vertical-align: top; text-align: left">
<td style="width: 50%"><b>Condensed Consolidated Statements of Operations</b></td>
<td style="width: 50%; text-align: right"><b>America’s Car-Mart, Inc<i>.</i></b></td></tr>
</table>
<p style="font-size: 10pt; margin: 0"><b></b></p>
<p style="font-size: 10pt; margin: 0"><b>(Unaudited)</b></p>
<p style="font-size: 10pt; margin: 0">(Dollars in thousands except share and per share amounts)</p>
<p style="font-size: 10pt; margin: 0; color: Red"><b><br> </b></p>
<p style="font-size: 10pt; margin: 0; color: Red"><b></b></p>
<div data-td-taggable-table="" data-td-statement-type="income"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; text-align: center"> </td><td style="font-size: 10pt"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center">Three Months Ended<br> October 31,</td><td style="font-size: 10pt"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center">Six Months Ended<br> October 31,</td></tr>
<tr style="vertical-align: bottom">
<td> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt">Revenues:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="width: 48%; font-size: 10pt; text-indent: 0pt; padding-left: 10pt">Sales</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">117,670</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">119,435</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">245,265</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">232,894</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Interest and other income</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">15,334</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">14,399</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">30,428</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">28,316</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Total revenue</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">133,004</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">133,834</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">275,693</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">261,210</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left">Costs and expenses:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt">Cost of sales, excluding depreciation shown below</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">71,596</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">68,156</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">146,682</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">133,627</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt">Selling, general and administrative</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">22,239</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">20,655</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">45,363</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">41,475</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt">Provision for credit losses</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">38,094</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">31,371</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">73,439</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">59,247</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt">Interest expense</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">792</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">721</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1,552</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1,396</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt">Depreciation and amortization</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1,038</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">929</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">2,048</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1,847</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Loss on disposal of property and equipment</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">19</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">20</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">19</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">20</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Total costs and expenses</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">133,778</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">121,852</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">269,103</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">237,612</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt">Income before taxes</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(774</td><td style="font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">11,982</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">6,590</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">23,598</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Provision (benefit) for income taxes</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">(289</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">4,463</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">2,458</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">8,819</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt">Net income (loss)</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">(485</td><td style="font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">7,519</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">4,132</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">14,779</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Less: Dividends on mandatorily redeemable preferred stock</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="font-size: 10pt; text-align: left; border-bottom: Black 1pt solid"> </td><td style="font-size: 10pt; text-align: right; border-bottom: Black 1pt solid">(10</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="font-size: 10pt; text-align: left; border-bottom: Black 1pt solid"> </td><td style="font-size: 10pt; text-align: right; border-bottom: Black 1pt solid">(10</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="font-size: 10pt; text-align: left; border-bottom: Black 1pt solid"> </td><td style="font-size: 10pt; text-align: right; border-bottom: Black 1pt solid">(20</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="font-size: 10pt; text-align: left; border-bottom: Black 1pt solid"> </td><td style="font-size: 10pt; text-align: right; border-bottom: Black 1pt solid">(20</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt">Net income (loss) attributable to common stockholders</td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">(495</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">7,509</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">4,112</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">14,759</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt">Earnings (loss) per share:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; padding-left: 20pt">Basic</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">(0.06</td><td style="font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">0.87</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">0.48</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">1.70</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; padding-left: 20pt">Diluted</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">(0.06</td><td style="font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">0.83</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">0.46</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">1.62</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt">Weighted average number of shares used in calculation:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; padding-left: 20pt">Basic</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">8,471,918</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">8,604,003</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">8,492,679</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">8,660,173</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; padding-left: 20pt">Diluted</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">8,471,918</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">9,022,437</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">8,853,621</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">9,082,750</td><td style="font-size: 10pt; text-align: left"> </td></tr>
</table></div>
<p style="font-size: 10pt; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; margin: 0"></p>
<p style="font-size: 10pt; margin: 0"><b> </b></p>
<p style="font-size: 10pt; margin: 0">The accompanying notes are an integral part of these condensed consolidated financial statements.</p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; margin: 0"><b></b></p>
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<div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 4pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="width: 100%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->3<!-- Field: /Sequence --></td></tr></table></div>
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<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top; text-align: left">
<td style="width: 50%"><b>Condensed Consolidated Statements of Cash Flows</b></td>
<td style="width: 50%; text-align: right"><b>America’s Car-Mart, Inc<i>.</i></b></td></tr>
</table>
<p style="font-size: 10pt; margin: 0"><b></b></p>
<p style="font-size: 10pt; margin: 0"><b>(Unaudited)</b></p>
<p style="font-size: 10pt; margin: 0">(In thousands)</p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; margin: 0; color: Red"><b> </b></p>
<div data-td-taggable-table="" data-td-statement-type="cash-flows"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; text-align: center"> </td><td style="font-size: 10pt"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center">Six Months Ended<br> October 31,</td></tr>
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; padding-bottom: 1pt">Operating Activities:</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="width: 74%; font-size: 10pt; text-align: left; padding-left: 10pt">Net income</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">4,132</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">14,779</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt; text-indent: -10pt">Adjustments to reconcile net income to net cash provided by operating activities:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt; text-indent: 0pt">Provision for credit losses</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">73,439</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">59,247</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt">Losses on claims for payment protection plan</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">6,095</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">4,764</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt">Depreciation and amortization</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">2,048</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1,847</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt">Amortization of debt issuance costs</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">96</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">93</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt">Loss on disposal of property and equipment</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">19</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">20</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt">Stock based compensation</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">949</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">412</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt">Deferred income taxes</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(1,119</td><td style="font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">2,402</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 20pt">Change in operating assets and liabilities:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 30pt">Finance receivable originations</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(223,266</td><td style="font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(222,024</td><td style="font-size: 10pt; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 30pt">Finance receivable collections</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">117,593</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">111,000</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 30pt">Accrued interest on finance receivables</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">303</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">3</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; padding-left: 30pt">Inventory</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">23,068</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">18,937</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 30pt">Prepaid expenses and other assets</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">426</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(353</td><td style="font-size: 10pt; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 30pt">Accounts payable and accrued liabilities</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">775</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">3,362</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 30pt">Deferred payment protection plan revenue</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">409</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1,143</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 30pt">Deferred service contract revenue</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">281</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">4,401</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 30pt"><font style="font-size: 10pt">Income taxes, net</font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">586</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">1,064</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 30pt"><font style="font-size: 10pt">Excess
tax benefit from share based compensation</font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">(191</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt">)</font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">(544</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt">)</font></td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 40pt"><font style="font-size: 10pt">Net cash
provided by operating activities</font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">5,643</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">553</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt">Investing Activities:</font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt"><font style="font-size: 10pt">Purchase of property and equipment</font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">(2,922</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt">)</font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">(1,863</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt">)</font></td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt"><font style="font-size: 10pt">Proceeds
from sale of property and equipment</font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">-</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">20</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 40pt"><font style="font-size: 10pt">Net cash
used in investing activities</font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">(2,922</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt">)</font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">(1,843</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt">)</font></td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt">Financing Activities:</font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt"><font style="font-size: 10pt">Exercise of stock options
and warrants</font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">245</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">1,545</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt"><font style="font-size: 10pt">Excess tax benefit from share
based compensation</font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">191</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">544</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt"><font style="font-size: 10pt">Issuance of common stock</font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">69</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">78</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt"><font style="font-size: 10pt">Purchase of common stock</font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">(3,989</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt">)</font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">(10,277</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt">)</font></td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt"><font style="font-size: 10pt">Dividend payments</font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">(20</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt">)</font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">(20</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt">)</font></td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt"><font style="font-size: 10pt">Debt issuance costs</font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">-</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">(250</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt">)</font></td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt"><font style="font-size: 10pt">Change in cash overdrafts</font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">(360</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt">)</font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">(77</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt">)</font></td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-left: 10pt"><font style="font-size: 10pt">Proceeds from revolving credit
facilities</font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">170,341</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">178,690</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt"><font style="font-size: 10pt">Payments
on revolving credit facilities</font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">(168,602</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt">)</font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">(168,975</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt">)</font></td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 40pt"><font style="font-size: 10pt">Net cash
provided by (used in) financing activities</font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">(2,125</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt">)</font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">1,258</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt">Increase (decrease) in cash and cash equivalents</font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">596</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">(32</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt">)</font></td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt"><font style="font-size: 10pt">Cash and cash equivalents,
beginning of period</font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">790</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">289</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt"><font style="font-size: 10pt">Cash and cash equivalents,
end of period</font></td><td style="font-size: 10pt; padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><font style="font-size: 10pt">$</font></td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><font style="font-size: 10pt">1,386</font></td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><font style="font-size: 10pt">$</font></td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><font style="font-size: 10pt">257</font></td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
</table></div>
<p style="font-size: 10pt; margin: 0; color: Red"></p>
<p style="font-size: 10pt; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; margin: 0">The accompanying notes are an integral part of these condensed consolidated financial statements.</p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; margin: 0"><b></b></p>
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<p style="font-size: 10pt; margin: 0"><b></b></p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top; text-align: left">
<td style="width: 50%"><b>Notes to Consolidated Financial Statements (Unaudited)</b></td>
<td style="width: 50%; text-align: right"><b>America’s Car-Mart, Inc<i>.</i></b></td></tr>
</table>
<p style="font-size: 10pt; margin: 0"><b></b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; font-weight: bold; text-align: justify; margin: 0"></p><div data-td-statement-type="note"><p style="font-size: 10pt; font-weight: bold; text-align: justify; margin: 0">A – Organization and Business</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">America’s Car-Mart, Inc., a Texas corporation
(the “Company”), is one of the largest publicly held automotive retailers in the United States focused exclusively
on the “Integrated Auto Sales and Finance” segment of the used car market. References to the Company typically include
the Company’s consolidated subsidiaries. The Company’s operations are principally conducted through its two operating
subsidiaries, America’s Car Mart, Inc., an Arkansas corporation (“Car-Mart of Arkansas”), and Colonial Auto Finance,
Inc., an Arkansas corporation (“Colonial”). Collectively, Car-Mart of Arkansas and Colonial are referred to herein
as “Car-Mart.” The Company primarily sells older model used vehicles and provides financing for substantially all of
its customers. Many of the Company’s customers have limited financial resources and would not qualify for conventional financing
as a result of limited credit histories or past credit problems. As of October 31, 2015, the Company operated 145 dealerships located
primarily in small cities throughout the South-Central United States.</p></div><p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"></p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b></b></p><div data-td-statement-type="note"><p style="font-size: 10pt; text-align: justify; margin: 0"><b>B – Summary of Significant Accounting Policies</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; font-style: italic; margin: 0; text-align: justify">General</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The accompanying condensed consolidated balance sheet
as of April 30, 2015, which has been derived from audited financial statements, and the unaudited interim condensed financial statements
as of October 31, 2015 and 2014, have been prepared in accordance with generally accepted accounting principles for interim financial
information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include
all of the information and footnotes required by accounting principles generally accepted in the United States of America for complete
financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary
for a fair presentation have been included. Operating results for the six months ended October 31, 2015 are not necessarily indicative
of the results that may be expected for the year ending April 30, 2016. For further information, refer to the consolidated financial
statements and footnotes thereto included in the Company’s annual report on Form 10-K for the year ended April 30, 2015.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0"> </p>
<p style="font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Principles of Consolidation</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><i> </i></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The consolidated financial statements include the
accounts of America’s Car-Mart, Inc. and its subsidiaries. All intercompany accounts and transactions have been eliminated.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Segment Information</p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0 0 12pt">Each dealership is an operating segment with
its results regularly reviewed by the Company’s chief operating decision maker in an effort to make decisions about resources
to be allocated to the segment and to assess its performance. Individual dealerships meet the aggregation criteria for reporting
purposes under the current accounting guidance. The Company operates in the Integrated Auto Sales and Finance segment of the used
car market, also referred to as the Integrated Auto Sales and Finance industry. In this industry, the nature of the sale and the
financing of the transaction, financing processes, the type of customer and the methods used to distribute the Company’s
products and services, including the actual servicing of the contracts as well as the regulatory environment in which the Company
operates, all have similar characteristics. Each of our individual dealerships is similar in nature and only engages in the selling
and financing of used vehicles. All individual dealerships have similar operating characteristics. As such, individual dealerships
have been aggregated into one reportable segment.</p>
<p style="font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Use of Estimates</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><i> </i></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The preparation of financial statements in conformity
with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions
that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the
financial statements, and the reported amounts of revenues and expenses during the period. Actual results could differ from those
estimates. Significant estimates include, but are not limited to, the Company’s allowance for credit losses.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><i> </i></p>
<p style="font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Concentration of Risk</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><i> </i></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company provides financing in connection with
the sale of substantially all of its vehicles. These sales are made primarily to customers residing in Alabama, Arkansas, Georgia,
Kentucky, Mississippi, Missouri, Oklahoma, Tennessee, and Texas, with approximately 32% of revenues resulting from sales to Arkansas
customers.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"></p>
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<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Periodically, the Company maintains cash in financial
institutions in excess of the amounts insured by the federal government. The Company’s revolving credit facilities mature
in October 2017. The Company expects that these credit facilities will be renewed or refinanced on or before the scheduled maturity
dates.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; font-style: italic; text-align: justify; margin: 0">Restrictions on Distributions/Dividends</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><i> </i></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company’s revolving credit facilities
generally restrict distributions by the Company to its shareholders. The distribution limitations under the Credit Facilities allow
the Company to repurchase the Company’s stock so long as: either (a) the aggregate amount of such repurchases does not exceed
$40 million beginning October 8, 2014 and the sum of borrowing bases combined minus the principal balances of all revolver loans
after giving effect to such repurchases is equal to or greater than 30% of the sum of the borrowing bases, or (b) the aggregate
amount of such repurchases does not exceed 75% of the consolidated net income of the Company measured on a trailing twelve month
basis; provided that immediately before and after giving effect to the stock repurchases, at least 12.5% of the aggregate funds
committed under the credit facilities remain available. Thus, the Company is limited in its ability to pay dividends or make other
distributions to its shareholders without the consent of the Company’s lenders.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"><i> </i></p>
<p style="font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Cash Equivalents</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><i> </i></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The Company considers all highly liquid debt instruments
purchased with original maturities of three months or less to be cash equivalents.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><i> </i></p>
<p style="font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Finance Receivables, Repossessions and Charge-offs
and Allowance for Credit Losses</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><i> </i></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 12pt">The Company originates installment sale
contracts from the sale of used vehicles at its dealerships. These installment sale contracts typically carry an interest rate
of 15% using the simple effective interest method including any deferred fees. Contract origination costs are not significant.<i>
</i> The installment sale contracts are not pre-computed contracts whereby borrowers are obligated to pay back principal plus the
full amount of interest that will accrue over the entire term of the contract. Finance receivables are collateralized by vehicles
sold and consist of contractually scheduled payments from installment contracts net of unearned finance charges and an allowance
for credit losses. Unearned finance charges represent the balance of interest receivable to be earned over the entire term of the
related installment contract, less the earned amount ($1.7 million at October 31, 2015 and $2.0 million at April 30, 2015), and
as such, has been reflected as a reduction to the gross contract amount in arriving at the principal balance in finance receivables<i>.</i>
Accounts are delinquent when the customer is one day or more behind on their contractual payments<i>. </i>While the Company does
not formally place contracts on nonaccrual status, the immaterial amount of interest that may accrue after an account becomes delinquent
up until the point of resolution via repossession or write-off, is reserved for against the accrued interest on the Consolidated
Balance Sheets. Delinquent contracts are addressed and either made current by the customer or the vehicle is repossessed or written
off if the collateral cannot be recovered quickly. Customer payments are set to match their payday with approximately 73% of payments
due on either a weekly or bi-weekly basis. The frequency of the payment due dates combined with the declining value of collateral
lead to prompt resolutions on problem accounts. <i> </i>At October 31, 2015, 3.5% of the Company’s finance receivable balances
were 30 days or more past due compared to 4.4% at October 31, 2014.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 12pt">Substantially all of the Company’s
automobile contracts involve contracts made to individuals with impaired or limited credit histories, or higher debt-to-income
ratios than permitted by traditional lenders. Contracts made with buyers who are restricted in their ability to obtain financing
from traditional lenders generally entail a higher risk of delinquency, default and repossession, and higher losses than contracts
made with buyers with better credit.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 12pt">The Company strives to keep its delinquency
percentages low, and not to repossess vehicles. Accounts two days late are sent a notice in the mail. Accounts three days late
are contacted by telephone. Notes from each telephone contact are electronically maintained in the Company’s computer system.
If a customer becomes severely delinquent in his or her payments, and management determines that timely collection of future payments
is not probable, the Company will take steps to repossess the vehicle. The Company attempts to resolve payment delinquencies amicably
prior to repossessing a vehicle. Periodically, the Company enters into contract modifications with its customers to extend or modify
the payment terms. The Company only enters into a contract modification or extension if it believes such action will increase the
amount of monies the Company will ultimately realize on the customer’s account and will increase the likelihood of the customer
being able to pay off the vehicle contract. At the time of modification, the Company expects to collect amounts due including accrued
interest at the contractual interest rate for the period of delay. Other than the extension of additional time, concessions are
not granted to customers at the time of modifications. Modifications are minor and are made for payday changes, minor vehicle repairs
and other reasons. For those vehicles that are repossessed, the majority are returned or surrendered by the customer on a voluntary
basis. Other repossessions are performed by Company personnel or third party repossession agents. Depending on the condition of
a repossessed vehicle, it is either resold on a retail basis through a Company dealership, or sold for cash on a wholesale basis
primarily through physical or online auctions.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 12pt"></p>
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<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 12pt">The Company takes steps to repossess a vehicle
when the customer becomes delinquent in his or her payments and management determines that timely collection of future payments
is not probable. Accounts are charged-off after the expiration of a statutory notice period for repossessed accounts, or when management
determines that the timely collection of future payments is not probable for accounts where the Company has been unable to repossess
the vehicle. For accounts with respect to which the vehicle was repossessed, the fair value of the repossessed vehicle is charged
as a reduction of the gross finance receivable balance charged-off. On average, accounts are approximately 59 days past due at
the time of charge-off. For previously charged-off accounts that are subsequently recovered, the amount of such recovery is credited
to the allowance for credit losses.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 12pt">The Company maintains an allowance for credit
losses on an aggregate basis, as opposed to a contract-by-contract basis, at an amount it considers sufficient to cover estimated
losses inherent in the portfolio at the balance sheet date in the collection of its finance receivables currently outstanding.
The Company accrues an estimated loss as it is probable that the entire amount will not be collected and the amount of the loss
can be reasonably estimated in the aggregate. The allowance for credit losses is based primarily upon historical credit loss experience,
with consideration given to recent credit loss trends and changes in contract characteristics (i.e., average amount financed and
term), delinquency levels, collateral values, economic conditions and underwriting and collection practices. The allowance for
credit losses is periodically reviewed by management with any changes reflected in current operations. Although it is at least
reasonably possible that events or circumstances could occur in the future that are not presently foreseen which could cause actual
credit losses to be materially different from the recorded allowance for credit losses, the Company believes that it has given
appropriate consideration to all relevant factors and has made reasonable assumptions in determining the allowance for credit losses.
The calculation of the allowance for credit losses uses the following primary factors:</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 0 0.75in"><font style="font-family: Symbol">·</font> The
number of units repossessed or charged-off as a percentage of total units financed over specific historical periods of time from
one year to five years.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 0 0.5in"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 0 0.75in"><font style="font-family: Symbol">·</font> The
average net repossession and charge-off loss per unit during the last eighteen months, segregated by the number of months since
the contract origination date, and adjusted for the expected future average net charge-off loss per unit. Approximately 50% of
the charge-offs that will ultimately occur in the portfolio are expected to occur within 10-11 months following the balance sheet
date. The average age of an account at charge-off date is 11.6 months.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 0 0.5in"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 0 0.75in"><font style="font-family: Symbol">·</font> The
timing of repossession and charge-off losses relative to the date of sale (i.e., how long it takes for a repossession or charge-off
to occur) for repossessions and charge-offs occurring during the last eighteen months.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">A point estimate is produced by this analysis which
is then supplemented by any positive or negative subjective factors to arrive at an overall reserve amount that management considers
to be a reasonable estimate of losses inherent in the portfolio at the balance sheet date that will be realized via actual charge-offs
in the future. While challenging economic conditions can negatively impact credit losses, the effectiveness of the execution of
internal policies and procedures within the collections area and the competitive environment on the lending side have historically
had a more significant effect on collection results than macro-economic issues. The allowance for credit losses at October 31,
2015 of $100.4 million was 25.0% of the principal balance in finance receivables of $427.7 million, less unearned payment protection
plan revenue of $16.1 million and unearned service contract revenue of $9.9 million.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 12pt">In most states, the Company offers retail
customers who finance their vehicle the option of purchasing a payment protection plan product as an add-on to the installment
sale contract. This product contractually obligates the Company to cancel the remaining principal outstanding for any contract
where the retail customer has totaled the vehicle, as defined, or the vehicle has been stolen. The Company periodically evaluates
anticipated losses to ensure that if anticipated losses exceed deferred payment protection plan revenues, an additional liability
is recorded for such difference. No such liability was required at October 31, 2015 or 2014.</p>
<p style="font-size: 10pt; margin: 0"><i>Inventory</i></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">Inventory consists of used vehicles and is valued
at the lower of cost or market on a specific identification basis. Vehicle reconditioning costs are capitalized as a component
of inventory. Repossessed vehicles and trade-in vehicles are recorded at fair value, which approximates wholesale value. The cost
of used vehicles sold is determined using the specific identification method.</p>
<p style="font-size: 10pt; margin: 0"><i></i></p>
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<p style="font-size: 10pt; margin: 0"><i>Goodwill </i></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><i> </i></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 12pt">Goodwill reflects the excess of purchase
price over the fair value of specifically identified net assets purchased. Goodwill and intangible assets deemed to have indefinite
lives are not amortized but are subject to annual impairment tests at the Company’s year-end. The impairment tests are based
on the comparison of the fair value of the reporting unit to the carrying value of such unit. If the fair value of the reporting
unit falls below its carrying value, the Company performs the second step of the two-step goodwill impairment process to determine
the amount, if any, that the goodwill is impaired. The second step involves determining the fair value of the identifiable assets
and liabilities and the implied goodwill. The implied goodwill is compared to the carrying value of the goodwill to determine the
impairment, if any. There was no impairment of goodwill during fiscal 2015, and to date, there has been no impairment during fiscal
2016.</p>
<p style="font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Property and Equipment</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><i> </i></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0 0 12pt">Property and equipment are stated at cost.
Expenditures for additions, remodels and improvements are capitalized. Costs of repairs and maintenance are expensed as incurred.
Leasehold improvements are amortized over the shorter of the estimated life of the improvement or the lease period. The lease
period includes the primary lease term plus any extensions that are reasonably assured. Depreciation is computed principally using
the straight-line method generally over the following estimated useful lives:</p>
<div data-td-taggable-table=""><table cellspacing="0" cellpadding="0" style="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
<td style="width: 9%"> </td>
<td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; layout-grid-mode: line"><font style="font: 10pt Times New Roman, Times, Serif">Furniture,
fixtures and equipment (years)</font></td>
<td style="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: right; layout-grid-mode: line"><font style="font-family: Times New Roman, Times, Serif; font-weight: normal">3</font></td>
<td style="width: 3%; text-align: center">to</td>
<td style="width: 3%"> 7</td>
<td style="width: 48%"> </td></tr>
<tr style="vertical-align: top">
<td> </td>
<td style="padding-right: 5.4pt; padding-left: 5.4pt"><font style="font-family: Times New Roman, Times, Serif">Leasehold
improvements</font> (years)</td>
<td style="padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: right; layout-grid-mode: line"><font style="font-family: Times New Roman, Times, Serif; font-weight: normal">5</font></td>
<td style="text-align: center">to</td>
<td> 15</td>
<td> </td></tr>
<tr style="vertical-align: top">
<td> </td>
<td style="padding-right: 5.4pt; padding-left: 5.4pt; layout-grid-mode: line"><font style="font: 10pt Times New Roman, Times, Serif">Buildings
and improvements</font> (years)</td>
<td style="padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: right; layout-grid-mode: line"><font style="font-family: Times New Roman, Times, Serif; font-weight: normal">18</font></td>
<td style="text-align: center">to</td>
<td> 39</td>
<td> </td></tr>
</table></div>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0 0 12pt"></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 12pt">Property and equipment are reviewed for
impairment whenever events or changes in circumstances indicate the carrying amount of an asset may not be recoverable. Recoverability
of assets to be held and used is measured by a comparison of the carrying amount of an asset to future undiscounted net cash flows
expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured
by the amount by which the carrying values of the impaired assets exceed the fair value of such assets. Assets to be disposed of
are reported at the lower of the carrying amount or fair value less costs to sell.</p>
<p style="font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Cash Overdraft</p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">As checks are presented for payment from the Company’s
primary disbursement bank account, monies are automatically drawn against cash collections for the day and, if necessary, are drawn
against one of its revolving credit facilities. Any cash overdraft balance principally represents outstanding checks, net of any
deposits in transit that as of the balance sheet date had not yet been presented for payment. Any cash overdraft balance is reflected
in accrued liabilities on the Company’s Condensed Consolidated Balance Sheets.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Deferred Sales Tax</p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Deferred sales tax represents a sales tax liability
of the Company for vehicles sold on an installment basis in the states of Alabama and Texas. Under Alabama and Texas law, for vehicles
sold on an installment basis, the related sales tax is due as the payments are collected from the customer, rather than at the
time of sale. Deferred sales tax liabilities are reflected in accrued liabilities on the Company’s Condensed Consolidated
Balance Sheets.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Income Taxes</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Income taxes are accounted for under the liability
method. Under this method, deferred income tax assets and liabilities are determined based on differences between financial reporting
and tax bases of assets and liabilities, and are measured using the enacted tax rates expected to apply in the years in which these
differences are expected to be recovered or settled. The quarterly provision for income taxes is determined using an estimated
annual effective tax rate, which is based on expected annual taxable income, statutory tax rates and the Company’s best estimate
of nontaxable and nondeductible items of income and expense.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Occasionally, the Company is audited by taxing
authorities. These audits could result in proposed assessments of additional taxes. The Company believes that its tax positions
comply in all material respects with applicable tax law. However, tax law is subject to interpretation, and interpretations by
taxing authorities could be different from those of the Company, which could result in the imposition of additional taxes.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"></p>
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<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company recognizes the financial statement
benefit of a tax position only after determining that the relevant tax authority would more likely than not sustain the position
following an audit. For tax positions meeting the more-likely-than-not threshold, the amount recognized in the financial statements
is the largest benefit that has a greater than 50 percent likelihood of being realized upon ultimate settlement with the relevant
tax authority. The Company applies this methodology to all tax positions for which the statute of limitations remains open.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company is subject to income taxes in the U.S.
federal jurisdiction and various state jurisdictions. Tax regulations within each jurisdiction are subject to the interpretation
of the related tax laws and regulations and require significant judgment to apply. With few exceptions, the Company is no longer
subject to U.S. federal, state and local income tax examinations by tax authorities for the years before fiscal 2012.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company’s policy is to recognize accrued
interest related to unrecognized tax benefits in interest expense and penalties in operating expenses. The Company had no accrued
penalties or interest as of October 31, 2015 or April 30, 2015.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Revenue Recognition</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0 0 12pt">Revenues are generated principally from the
sale of used vehicles, which in most cases includes a service contract and a payment protection plan product, interest income and
late fees earned on finance receivables. Revenues are net of taxes collected from customers and remitted to government agencies.
Cost of vehicle sales include costs incurred by the Company to prepare the vehicle for sale including license and title costs,
gasoline, transport services and repairs.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0 0 12pt">Revenues from the sale of used vehicles are
recognized when the sales contract is signed, the customer has taken possession of the vehicle and, if applicable, financing has
been approved. Revenues from the sale of vehicles sold at wholesale are recognized at the time the proceeds are received. Revenues
from the sale of service contracts are recognized ratably over the expected duration of the product. Service contract revenues
are included in sales and the related expenses are included in cost of sales. Payment protection plan revenues are initially deferred
and then recognized to income using the “Rule of 78’s” interest method over the life of the contract so that
revenues are recognized in proportion to the amount of cancellation protection provided. Payment protection plan revenues are included
in sales and related losses are included in cost of sales as incurred. Interest income is recognized on all active finance receivable
accounts using the simple effective interest method. Active accounts include all accounts except those that have been paid-off
or charged-off.</p>
<p style="font-size: 10pt; margin: 0">Sales consist of the following:</p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b> </b></p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<div data-td-taggable-table=""><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; text-align: center"></td><td style="font-size: 10pt"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center">Three Months Ended<br> October 31,</td><td> </td>
<td colspan="7" style="font-size: 10pt; text-align: center">Six Months Ended<br> October 31,</td></tr>
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; font-style: italic; border-bottom: Black 1pt solid">(In thousands)</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="width: 48%; font-size: 10pt; text-align: left">Sales – used autos</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">98,836</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">106,914</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">208,094</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">208,037</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left">Wholesales – third party</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">6,172</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">4,763</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">11,842</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">9,559</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left">Service contract sales</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">6,731</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">3,988</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">13,543</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">7,983</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Payment protection plan revenue</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">5,931</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">3,770</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">11,786</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">7,315</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; padding-bottom: 2.25pt">Total</td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">117,670</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">119,435</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">245,265</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">232,894</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td></tr>
</table></div>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b> </b></p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">At October 31, 2015 and 2014, finance receivables
more than 90 days past due were approximately $1.7 million and $2.0 million, respectively. Late fee revenues totaled approximately
$996,000 and $1.1 million for the six months ended October 31, 2015 and 2014, respectively. Late fees are recognized when collected
and are reflected in interest and other income on the Condensed Consolidated Statements of Operations.</p>
<p style="font-size: 10pt; margin: 0"><i> </i></p>
<p style="font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Earnings per Share</p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 12pt">Basic earnings per share are computed by
dividing net income attributable to common stockholders by the average number of common shares outstanding during the period. Diluted
earnings per share are computed by dividing net income attributable to common stockholders by the average number of common shares
outstanding during the period plus dilutive common stock equivalents. The calculation of diluted earnings per share takes into
consideration the potentially dilutive effect of common stock equivalents, such as outstanding stock options and non-vested restricted
stock, which if exercised or converted into common stock would then share in the earnings of the Company. In computing diluted
earnings per share, the Company utilizes the treasury stock method and anti-dilutive securities are excluded.</p>
<p style="font-size: 10pt; font-style: italic; margin: 0; text-align: justify"></p>
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<div style="page-break-before: always; margin-top: 6pt"> </div>
<!-- Field: /Page -->
<p style="font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Stock-Based Compensation</p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company recognizes the cost of employee services
received in exchange for awards of equity instruments, such as stock options and restricted stock, based on the fair value of those
awards at the date of grant over the requisite service period. The Company uses the Black-Scholes option pricing model to determine
the fair value of stock option awards. The Company may issue either new shares or treasury shares upon exercise of these awards.
Stock-based compensation plans, related expenses and assumptions used in the Black-Scholes option pricing model are more fully
described in Note I. If an award contains a performance condition, expense is recognized only for those shares for which it is
considered reasonably probable as of the current period end that the performance condition will be met.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Treasury Stock</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company purchased 89,658 shares of its common
stock to be held as treasury stock for a total cost of $4.0 million during the first six months of fiscal 2016 and 255,208 shares
for a total cost of $10.3 million during the first six months of fiscal 2015. Treasury stock may be used for issuances under the
Company’s stock-based compensation plans or for other general corporate purposes.</p>
<p style="font-size: 10pt; font-style: italic; margin: 0; text-align: justify"> </p>
<p style="font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Recent Accounting Pronouncements</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Occasionally, new accounting pronouncements are
issued by the Financial Accounting Standards Board (“FASB”) or other standard setting bodies which the Company adopts
as of the specified effective date. Unless otherwise discussed, the Company believes the impact of recently issued standards which
are not yet effective will not have a material impact on its consolidated financial statements upon adoption.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"><i>Revenue Recognition</i>. In May 2014, the FASB
issued ASU 2014-09, <i>Revenue from Contracts with Customers</i> (Topic 606), which supersedes existing revenue recognition guidance.
The new guidance in ASU 2014-09 is based on the principle that revenue is recognized to depict the transfer of goods or services
to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods
or services. ASU 2014-09 also requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash
flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs
incurred to obtain or fulfill a contract. In August 2015, the FASB issued ASU 2015-14, <i>Revenue from Contracts with Customers
(Topic 606): Deferral of the Effective Date</i>, to provide entities with an additional year to implement ASU 2014-09. As a result,
the guidance in ASU 2014-09 is effective for annual and interim reporting periods beginning after December 15, 2017, using one
of two retrospective application methods. The Company is currently evaluating the potential effects of the adoption of this update
on the consolidated financial statements.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 13.5pt; margin: 0"><i>Debt Issuance Costs</i>. In April 2015,
the FASB issued ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs, which amends the current presentation of debt
issuance costs in the financial statements. ASU 2015-03 requires that debt issuance costs related to a recognized debt liability
be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts,
instead of as an asset. The amendments are to be applied retrospectively and are effective for interim and annual periods
beginning after December 15, 2015. The adoption of the new guidance is not expected to have a material impact on the Company’s
consolidated financial statements.</p></div><p style="font-size: 10pt; text-align: justify; text-indent: 13.5pt; margin: 0"></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; font-weight: bold; margin: 0"></p><div data-td-statement-type="note"><p style="font-size: 10pt; font-weight: bold; margin: 0">C – Finance Receivables, Net</p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company originates installment sale contracts
from the sale of used vehicles at its dealerships. These installment sale contracts typically include interest rates ranging from
14% to 15% per annum, are collateralized by the vehicle sold and typically provide for payments over periods ranging from 18 to
42 months. The weighted average interest rate for the portfolio was approximately 14.9% at October 31, 2015. The Company’s
finance receivables are defined as one segment and one class of loans, which is sub-prime consumer automobile contracts. The level
of risks inherent in the Company’s financing receivables is managed as one homogeneous pool. The components of finance receivables
are as follows:</p>
<p style="font-size: 10pt; text-align: center; text-indent: 9pt; margin: 0; color: Red"><b> </b></p>
<p style="font-size: 10pt; text-align: center; text-indent: 9pt; margin: 0; color: Red"><b></b></p>
<div data-td-taggable-table=""><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; font-style: italic; border-bottom: Black 1pt solid">(In thousands)</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" nowrap="" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">October 31, 2015</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">April 30, 2015</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="width: 74%; font-size: 10pt; text-align: left">Gross contract amount</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">488,424</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">477,305</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Less unearned finance charges</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">(60,761</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">(59,937</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 40pt">Principal balance</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">427,663</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">417,368</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Less allowance for credit losses</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">(100,434</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">(93,224</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt">Finance receivables, net</td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">327,229</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">324,144</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td></tr>
</table></div>
<p style="font-size: 10pt; text-align: center; text-indent: 9pt; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: center; text-indent: 9pt; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"></p>
<!-- Field: Page; Sequence: 10; Value: 2 -->
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<div style="page-break-before: always; margin-top: 6pt"> </div>
<!-- Field: /Page -->
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">Changes in the finance receivables, net are as follows:</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: center; text-indent: 9.35pt; margin: 0; color: Red"><b></b></p>
<div data-td-taggable-table=""><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt"> </td><td style="font-size: 10pt"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center">Six Months Ended<br> October 31,</td></tr>
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; font-style: italic; border-bottom: Black 1pt solid">(In thousands)</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="width: 74%; font-size: 10pt">Balance at beginning of period</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">324,144</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">293,299</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left">Finance receivable originations</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">223,266</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">222,024</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left">Finance receivable collections</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(117,593</td><td style="font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(111,000</td><td style="font-size: 10pt; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left">Provision for credit losses</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(73,439</td><td style="font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(59,247</td><td style="font-size: 10pt; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left">Losses on claims for payment protection plan</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(6,095</td><td style="font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(4,764</td><td style="font-size: 10pt; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Inventory acquired in repossession and payment protection plan claims</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">(23,054</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">(21,272</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; text-indent: 10pt">Balance at end of period</td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">327,229</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">319,040</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td></tr>
</table></div>
<p style="font-size: 10pt; text-align: center; text-indent: 9.35pt; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Changes in the finance receivables allowance for
credit losses are as follows:</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"></p>
<p style="font-size: 10pt; text-align: center; text-indent: 9.35pt; margin: 0; color: Red"><b> </b></p>
<div data-td-taggable-table=""><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt"> </td><td style="font-size: 10pt"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center">Six Months Ended<br> October 31,</td></tr>
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; font-style: italic; border-bottom: Black 1pt solid">(In thousands)</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="width: 74%; font-size: 10pt">Balance at beginning of period</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">93,224</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">86,033</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left">Provision for credit losses</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">73,439</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">59,247</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Charge-offs, net of recovered collateral</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">(66,229</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">(52,820</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; text-indent: 10pt">Balance at end of period</td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">100,434</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">92,460</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td></tr>
</table></div>
<p style="font-size: 10pt; text-align: center; text-indent: 9.35pt; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: center; text-indent: 9.35pt; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The factors which influenced management’s
judgment in determining the amount of the additions to the allowance charged to provision for credit losses are described below:</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The level of actual charge-offs, net of recovered
collateral, is the most important factor in determining the charges to the provision for credit losses. This is due to the fact
that once a contract becomes delinquent the account is either made current by the customer, the vehicle is repossessed or the account
is written off if the collateral cannot be recovered. Net charge-offs as a percentage of average finance receivables increased
to 15.6% for the six months ended October 31, 2015 compared to 13.4% for the same period in the prior year. The increase in net
charge-offs for the first six months of fiscal 2016 resulted from an increased frequency of losses as well as an increase in the
severity of losses resulting from lower wholesale values at repossession.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Collections and delinquency levels can have a significant
effect on additions to the allowance and are reviewed frequently. Collections as a percentage of average finance receivables were
27.7% for the six months ended October 31, 2015 compared to 28.2% for the prior year period. The decrease in collections as a percentage
of average finance receivables primarily resulted from the longer average term and slightly higher contract modifications offset
by lower delinquencies and a higher level of early pay-offs. Delinquencies greater than 30 days were 3.5% for October 31, 2015
and 4.4% at October 31, 2014.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Macro-economic factors, the competitive environment,
and more importantly, proper execution of operational policies and procedures can have a significant effect on additions to the
allowance charged to the provision. Unemployment levels, gasoline prices and prices for staple items can potentially have a significant
effect on collections and delinquency levels, and ultimately on net charge-offs. We believe our customers continue to be under
significant pressure due to the persistent difficult macro-economic environment for the Company’s customer base. We expect
these conditions to continue in the near to mid-term future. The Company continues to focus on operational improvements within
the collections area such as credit reporting for customers and implementation of GPS technology on vehicles sold.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
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<p style="font-size: 10pt; text-align: justify; margin: 0"></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Credit quality information for finance receivables
is as follows:</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><font style="font: 9pt Sans-Serif; color: Red"><b></b></font><font style="font-size: 10pt"></font></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><font style="font-size: 10pt"></font></p>
<div data-td-taggable-table=""><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; font-style: italic; border-bottom: Black 1pt solid">(Dollars in thousands)</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">October 31, 2015</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">April 30, 2015</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">October 31, 2014</td></tr>
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; padding-bottom: 1pt"> <br>
</td>
<td style="font-size: 10pt; padding-bottom: 1pt"> <br>
</td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">Principal<br>
Balance</td>
<td style="font-size: 10pt; padding-bottom: 1pt"> <br>
</td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">Percent of<br>
Portfolio</td>
<td style="font-size: 10pt; padding-bottom: 1pt"> <br>
</td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">Principal<br>
Balance</td>
<td style="font-size: 10pt; padding-bottom: 1pt"> <br>
</td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">Percent of<br>
Portfolio</td>
<td style="font-size: 10pt; padding-bottom: 1pt"> <br>
</td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">Principal<br>
Balance</td>
<td style="font-size: 10pt; padding-bottom: 1pt"> <br>
</td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">Percent of<br>
Portfolio</td>
</tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="width: 22%; font-size: 10pt">Current</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">365,346</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">85.44</td><td style="width: 1%; font-size: 10pt; text-align: left">%</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">329,329</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">78.91</td><td style="width: 1%; font-size: 10pt; text-align: left">%</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">341,555</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">83.00</td><td style="width: 1%; font-size: 10pt; text-align: left">%</td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left">3 - 29 days past due</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">47,406</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">11.08</td><td style="font-size: 10pt; text-align: left">%</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">64,004</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">15.33</td><td style="font-size: 10pt; text-align: left">%</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">51,990</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">12.63</td><td style="font-size: 10pt; text-align: left">%</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left">30 - 60 days past due</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">10,320</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">2.41</td><td style="font-size: 10pt; text-align: left">%</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">12,777</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">3.06</td><td style="font-size: 10pt; text-align: left">%</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">12,002</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">2.92</td><td style="font-size: 10pt; text-align: left">%</td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left">61 - 90 days past due</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">2,914</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">0.68</td><td style="font-size: 10pt; text-align: left">%</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">8,463</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">2.03</td><td style="font-size: 10pt; text-align: left">%</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">3,986</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">0.97</td><td style="font-size: 10pt; text-align: left">%</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; text-indent: 10pt">> 90 days past due</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">1,677</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">0.39</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">%</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">2,795</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">0.67</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">%</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">1,967</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">0.48</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">%</td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; padding-bottom: 2.25pt; text-indent: 20pt">Total</td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">427,663</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">100.00</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">%</td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">417,368</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">100.00</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">%</td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">411,500</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">100.00</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">%</td></tr>
</table></div>
<p style="font-size: 10pt; text-align: justify; margin: 0"></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><font style="font-size: 10pt"> </font></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">Accounts one and two days past due are considered
current for this analysis, due to the varying payment dates and variation in the day of the week at each period end. Delinquencies
may vary from period to period based on the average age of the portfolio, seasonality within the calendar year, the day of the
week and overall economic factors. The above categories are consistent with internal operational measures used by the Company to
monitor credit results.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Substantially all of the Company’s automobile
contracts involve contracts made to individuals with impaired or limited credit histories, or higher debt-to-income ratios than
permitted by traditional lenders. Contracts made with buyers who are restricted in their ability to obtain financing from traditional
lenders generally entail a higher risk of delinquency, default and repossession, and higher losses than contracts made with buyers
with better credit. The Company monitors contract term length, down payment percentages, and collections for credit quality indicators.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"></p>
<p style="font-size: 10pt; text-align: justify; margin: 0 0 12pt; color: Red"><b></b></p>
<div data-td-taggable-table=""><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt"> </td><td style="font-size: 10pt"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center">Six Months Ended<br> October 31,</td></tr>
<tr style="vertical-align: bottom">
<td style="font-size: 10pt"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="width: 74%; font-size: 10pt; text-align: left">Principal collected as a percent of average finance receivables</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">27.7</td><td style="width: 1%; font-size: 10pt; text-align: left">%</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">28.2</td><td style="width: 1%; font-size: 10pt; text-align: left">%</td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left">Average down-payment percentage</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">6.5</td><td style="font-size: 10pt; text-align: left">%</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">6.8</td><td style="font-size: 10pt; text-align: left">%</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; font-weight: normal; text-align: left">Average originating contract term <font style="font-size: 10pt; font-weight: normal"><i>(in months</i><font style="font-style: normal">)</font></font></td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">28.4</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">27.4</td><td style="font-size: 10pt; text-align: left"> </td></tr>
</table></div>
<p style="margin: 0"> </p>
<div data-td-taggable-table=""><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; text-align: center"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" nowrap="" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">October 31, 2015</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" nowrap="" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">October 31, 2014</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="width: 74%; font-size: 10pt; font-weight: normal; text-align: left">Portfolio weighted average contract term, including modifications <font style="font-size: 10pt; font-weight: normal"><i>(in months</i><font style="font-style: normal">)</font></font></td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">30.6</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">29.6</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td></tr>
</table></div>
<p style="font-size: 10pt; text-align: justify; margin: 0 0 12pt; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The decrease in the principal collected as a percent
of average finance receivables was primarily due to the longer average term and slightly higher contract modifications offset by
lower delinquencies and a higher level of early pay-offs. The increases in the portfolio weighted average contract term are primarily
related to efforts to keep payments affordable, for competitive reasons and to continue to work more with our customers when they
experience financial difficulties. In order to remain competitive, term lengths may continue to increase.</p></div><p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"></p>
<p style="font-size: 10pt; font-weight: bold; margin: 0"> </p>
<p style="font-size: 10pt; font-weight: bold; margin: 0"></p><div data-td-statement-type="note"><p style="font-size: 10pt; font-weight: bold; margin: 0">D – Property and Equipment</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">A summary of property and equipment is as follows:</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: center; margin: 0"><b></b></p>
<div data-td-taggable-table=""><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; font-style: italic; border-bottom: Black 1pt solid">(In thousands)</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" nowrap="" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">October 31, 2015</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">April 30, 2015</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="width: 74%; font-size: 10pt">Land</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">6,245</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">6,245</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left">Buildings and improvements</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">11,661</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">11,509</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left">Furniture, fixtures and equipment</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">13,838</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">13,486</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left">Leasehold improvements</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">21,891</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">21,023</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left">Construction in progress</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">2,240</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1,235</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Less accumulated depreciation and amortization</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">(21,057</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">(19,535</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; padding-bottom: 2.25pt">Total</td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">34,818</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">33,963</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td></tr>
</table></div>
<p style="font-size: 10pt; text-align: center; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p></div><p style="font-size: 10pt; text-align: justify; margin: 0"><b></b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"></p>
<!-- Field: Page; Sequence: 12; Value: 2 -->
<div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 4pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="width: 100%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->12<!-- Field: /Sequence --></td></tr></table></div>
<div style="page-break-before: always; margin-top: 6pt"> </div>
<!-- Field: /Page -->
<p style="font-size: 10pt; text-align: justify; margin: 0"><b></b></p><div data-td-statement-type="note"><p style="font-size: 10pt; text-align: justify; margin: 0"><b>E – Accrued Liabilities</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-indent: 9pt; margin: 0">A summary of accrued liabilities is as follows:</p>
<p style="font-size: 10pt; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: center; text-indent: 9pt; margin: 0; color: Red"><b></b></p>
<div data-td-taggable-table=""><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; font-style: italic; border-bottom: Black 1pt solid">(In thousands)</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" nowrap="" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">October 31, 2015</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">April 30, 2015</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="width: 74%; font-size: 10pt; text-align: left">Employee compensation</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">3,783</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">3,954</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left">Cash overdrafts (see Note B)</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1,227</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1,587</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left">Deferred sales tax (see Note B)</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">2,773</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">2,762</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; padding-bottom: 1pt">Other</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">4,521</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">4,405</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; padding-bottom: 2.25pt">Total</td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">12,304</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">12,708</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td></tr>
</table></div>
<p style="font-size: 10pt; text-align: center; text-indent: 9pt; margin: 0; color: Red"></p>
<p style="font-size: 10pt; text-align: center; text-indent: 9pt; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: center; text-indent: 9pt; margin: 0"></p></div><p style="font-size: 10pt; text-align: center; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b></b></p><div data-td-statement-type="note"><p style="font-size: 10pt; text-align: justify; margin: 0"><b>F – Debt Facilities</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-indent: 9pt; margin: 0">A summary of revolving credit facilities is as follows:</p>
<p style="font-size: 10pt; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-indent: 9pt; margin: 0"></p>
<div data-td-taggable-table=""><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<tr style="vertical-align: bottom">
<td style="font-style: italic; text-align: left; border-bottom: Black 1pt solid">(In thousands)</td><td style="border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="border-bottom: Black 1pt solid"> </td><td style="border-bottom: Black 1pt solid"> </td>
<td style="border-bottom: Black 1pt solid"> </td><td style="border-bottom: Black 1pt solid"> </td>
<td style="border-bottom: Black 1pt solid"> </td><td style="border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="border-bottom: Black 1pt solid"> </td><td style="border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="border-bottom: Black 1pt solid"> </td></tr>
<tr style="background-color: White">
<td style="width: 45%; text-align: center; padding-bottom: 1pt"> </td><td style="width: 1%; padding-bottom: 1pt"> </td>
<td style="width: 1%; text-align: left"> </td><td style="width: 8%; text-align: center">Aggregate</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%; padding-bottom: 1pt"> </td>
<td style="width: 10%; text-align: center; padding-bottom: 1pt">Interest </td><td style="padding-bottom: 1pt"> </td>
<td style="text-align: left; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td>
<td colspan="7" style="border-bottom: Black 1pt solid; text-align: center">Balance at</td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="text-align: center; padding-bottom: 1pt"> </td><td style="padding-bottom: 1pt"> </td>
<td style="padding-bottom: 1pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; text-align: center"> Amount</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td>
<td style="text-align: center; border-bottom: Black 1pt solid">Rate</td><td style="padding-bottom: 1pt"> </td>
<td style="text-align: center; border-bottom: Black 1pt solid">Maturity</td><td style="padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="" style="border-bottom: Black 1pt solid; text-align: center">October 31, 2015</td><td style="padding-bottom: 1pt; text-align: left"> </td><td style="padding-bottom: 1pt"> </td>
<td colspan="2" nowrap="" style="border-bottom: Black 1pt solid; text-align: center">April 30, 2015</td><td style="padding-bottom: 1pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="text-align: left">Revolving credit facilities</td><td> </td>
<td style="text-align: left">$</td><td style="text-align: right">145,000</td><td style="text-align: left"> </td><td> </td>
<td nowrap="">LIBOR + 2.375%</td><td> </td>
<td nowrap="" style="text-align: center">October 8, 2017</td><td> </td>
<td style="text-align: left">$</td><td style="text-align: right">104,424</td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left">$</td><td style="text-align: right">102,685</td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom">
<td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td colspan="13" style="text-align: center">(2.57% at October 31, 2015 and 2.56% at April 30, 2015)</td><td style="text-align: left"> </td></tr>
</table></div>
<p style="font-size: 10pt; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-indent: 9pt; margin: 0; color: Red"></p>
<p style="font-size: 10pt; text-indent: 9pt; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">On March 9, 2012, the Company entered into an Amended
and Restated Loan and Security Agreement (“Credit Facilities”) with a group of lenders providing revolving credit facilities
totaling $125 million. The Credit Facilities were amended on September 30, 2012, February 4, 2013, June 24, 2013, February 13,
2014 and October 8, 2014, respectively. The first amendment to the Credit Facilities increased the total revolving commitment to
$145 million. The second amendment amended the definition of eligible vehicle contracts to include contracts with 36-42 month terms.
The third amendment extended the term to June 24, 2016, provided the option to request revolver commitment increases for up to
an additional $55 million and provided for a 0.25% decrease in each of the three pricing tiers for determining the applicable interest
rate. The fourth amendment amended the structure of the debt covenants as related to the application of the fixed charge coverage
ratio calculation. As amended, the fixed charge coverage ratio calculation will be required only if availability, as defined,
under the revolving credit facilities is less than certain specified thresholds. The fourth amendment also increased the
allowable capital expenditures to $10 million in the aggregate during any fiscal year and allows for the sale of certain vehicle
contracts to third parties.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The fifth amendment extended the term of the Credit
Facilities to October 8, 2017, added a new pricing tier for determining the applicable interest rate, and provided for a 0.125%
increase in each of the three existing pricing tiers. The fifth amendment also amended one of two alternative distribution limitations
related to repurchases of the Company’s stock. With respect to such limitation, the amendment (i) reset the $40 million aggregate
limit on repurchases beginning with October 8, 2014, (ii) redefined the aggregate amount of repurchases to be net of proceeds received
from the exercise of stock options, and (iii) changed the requirement that the sum of borrowing bases combined minus the principal
balances of all revolver loans after giving effect to such repurchases be equal to or greater than 30% of the sum of the borrowing
bases.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The revolving credit facilities are collateralized
primarily by finance receivables and inventory, are cross collateralized and contain a guarantee by the Company. Interest is payable
monthly under the revolving credit facilities. The Credit Facilities provide for four pricing tiers for determining the applicable
interest rate, based on the Company’s consolidated leverage ratio for the preceding fiscal quarter. The current applicable
interest rate under the Credit Facilities is generally LIBOR plus 2.375%. The Credit Facilities contain various reporting and performance
covenants including (i) maintenance of certain financial ratios and tests, (ii) limitations on borrowings from other sources, (iii)
restrictions on certain operating activities and (iv) restrictions on the payment of dividends or distributions.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"></p>
<!-- Field: Page; Sequence: 13; Value: 2 -->
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<div style="page-break-before: always; margin-top: 6pt"> </div>
<!-- Field: /Page -->
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The distribution limitations under the Credit Facilities
allow the Company to repurchase the Company’s stock so long as: either (a) the aggregate amount of such repurchases does
not exceed $40 million beginning October 8, 2014 and the sum of borrowing bases combined minus the principal balances of all revolver
loans after giving effect to such repurchases is equal to or greater than 30% of the sum of the borrowing bases, or (b) the aggregate
amount of such repurchases does not exceed 75% of the consolidated net income of the Company measured on a trailing twelve month
basis; provided that immediately before and after giving effect to the stock repurchases, at least 12.5% of the aggregate funds
committed under the credit facilities remain available.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company was in compliance with the covenants
at October 31, 2015. The amount available to be drawn under the credit facilities is a function of eligible finance receivables
and inventory. Based upon eligible finance receivables and inventory at October 31, 2015, the Company had additional availability
of approximately $38.1 million under the revolving credit facilities.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company recognized approximately $96,000 and
$93,000 of amortization for the six months ended October 31, 2015 and 2014, respectively, related to debt issuance costs. The amortization
is reflected as interest expense in the Company’s Consolidated Statements of Operations.</p></div><p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b></b></p><div data-td-statement-type="note"><p style="font-size: 10pt; text-align: justify; margin: 0"><b>G – Fair Value Measurements</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The table below summarizes information about the
fair value of financial instruments included in the Company’s financial statements at October 31, 2015 and April 30, 2015:</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: center; text-indent: 9.35pt; margin: 0; color: Red"><b></b></p>
<div data-td-taggable-table=""><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; text-align: justify"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">October 31, 2015</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">April 30, 2015</td></tr>
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; text-align: justify; border-bottom: Black 1pt solid">(In thousands)</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">Carrying<br> Value</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">Fair<br> Value</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">Carrying<br> Value</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">Fair<br> Value</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="width: 48%; font-size: 10pt; text-align: justify">Cash</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">1,386</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">1,386</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">790</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">790</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: justify">Finance receivables, net</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">327,229</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">263,012</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">324,144</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">256,681</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: justify">Accounts payable</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">11,841</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">11,841</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">11,022</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">11,022</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left">Revolving credit facilities</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">104,424</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">104,424</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">102,685</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">102,685</td><td style="font-size: 10pt; text-align: left"> </td></tr>
</table></div>
<p style="font-size: 10pt; text-align: center; text-indent: 9.35pt; margin: 0; color: Red"></p>
<p style="font-size: 10pt; text-align: center; text-indent: 9.35pt; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: center; text-indent: 9.35pt; margin: 0; color: Red"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 12pt">Because no market exists for certain of
the Company’s financial instruments, fair value estimates are based on judgments and estimates regarding yield expectations
of investors, credit risk and other risk characteristics, including interest rate and prepayment risk. These estimates are subjective
in nature and involve uncertainties and matters of judgment and therefore cannot be determined with precision. Changes in assumptions
could significantly affect these estimates. The methodology and assumptions utilized to estimate the fair value of the Company’s
financial instruments are as follows:</p>
<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse; font-size: 10pt">
<tr style="vertical-align: top">
<td style="width: 8%"> </td>
<td style="width: 24%; text-indent: 0in; text-decoration: underline"><font style="font-size: 10pt"><u>Financial Instrument</u></font></td>
<td style="width: 59%; text-indent: 0in; text-decoration: underline; text-align: center"><font style="font-size: 10pt"><u>Valuation Methodology</u></font></td>
<td style="width: 9%"> </td></tr>
<tr style="vertical-align: top">
<td> </td>
<td style="text-indent: 0in"> </td>
<td style="text-indent: 0in"> </td>
<td> </td></tr>
<tr style="vertical-align: top">
<td> </td>
<td style="text-indent: 0in"><font style="font-size: 10pt">Cash</font></td>
<td style="text-indent: 0in; text-align: justify"><font style="font-size: 10pt">The carrying amount is considered to be a reasonable estimate of fair value due to the short-term nature of the financial instrument.</font></td>
<td> </td></tr>
<tr style="vertical-align: top">
<td> </td>
<td style="text-indent: 0in"> </td>
<td style="text-indent: 0in"> </td>
<td> </td></tr>
<tr style="vertical-align: top">
<td> </td>
<td style="text-indent: 0in"><font style="font-size: 10pt">Finance receivables, net</font></td>
<td style="text-indent: 0in; text-align: justify"><font style="font-size: 10pt">The Company estimated the fair value of its receivables at what a third party purchaser might be willing to pay. The Company has had discussions with third parties and has bought and sold portfolios, and had a third party appraisal in November 2012 that indicated a range of 35% to 40% discount to face would be a reasonable fair value in a negotiated third party transaction. The sale of finance receivables from Car-Mart of Arkansas to Colonial is made at a 38.5% discount. For financial reporting purposes these sale transactions are eliminated. Since the Company does not intend to offer the receivables for sale to an outside third party, the expectation is that the net book value at October 31, 2015, will be ultimately collected. By collecting the accounts internally the Company expects to realize more than a third party purchaser would expect to collect with a servicing requirement and a profit margin included.</font></td>
<td> </td></tr>
<tr style="vertical-align: top">
<td> </td>
<td style="text-indent: 0in"> </td>
<td style="text-indent: 0in; text-align: justify"> </td>
<td> </td></tr>
<tr style="vertical-align: top">
<td> </td>
<td style="text-indent: 0in"><font style="font-size: 10pt">Accounts payable</font></td>
<td style="text-indent: 0in; text-align: justify"><font style="font-size: 10pt">The carrying amount is considered to be a reasonable estimate of fair value due to the short-term nature of the financial instrument.</font></td>
<td> </td></tr>
<tr style="vertical-align: top">
<td> </td>
<td style="text-indent: 0in"> </td>
<td style="text-indent: 0in"> </td>
<td> </td></tr>
<tr style="vertical-align: top">
<td> </td>
<td style="text-indent: 0in"><font style="font-size: 10pt">Revolving credit facilities</font></td>
<td style="text-indent: 0in; text-align: justify"><font style="font-size: 10pt">The fair value approximates carrying value due to the variable interest rates charged on the borrowings, which reprice frequently.</font></td>
<td> </td></tr>
</table>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p></div><p style="font-size: 10pt; text-align: justify; margin: 0"></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"></p>
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<p style="font-size: 10pt; text-align: justify; margin: 0"><b></b></p><div data-td-statement-type="note"><p style="font-size: 10pt; text-align: justify; margin: 0"><b>H – Weighted Average Shares Outstanding</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">Weighted average shares of common stock outstanding
used in the calculation of basic and diluted earnings per share were as follows:</p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b> </b></p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<div data-td-taggable-table=""><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; text-align: center"></td><td style="font-size: 10pt"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center">Three Months Ended<br> October 31,</td><td> </td>
<td colspan="7" style="font-size: 10pt; text-align: center">Six Months Ended<br> October 31,</td></tr>
<tr style="vertical-align: bottom">
<td style="border-bottom: Black 1pt solid"> </td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="width: 48%; font-size: 10pt">Weighted average shares outstanding-basic</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">8,471,918</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">8,604,003</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">8,492,679</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">8,660,173</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Dilutive options and restricted stock</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">-</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">418,434</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">360,942</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">422,577</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; padding-bottom: 2.25pt">Weighted average shares outstanding-diluted</td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">8,471,918</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">9,022,437</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">8,853,621</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">9,082,750</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left">Antidilutive securities not included:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-indent: 10pt">Options</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">251,000</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">89,000</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">254,500</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">79,500</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Restricted stock</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">9,500</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">-</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">4,750</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">-</td><td style="font-size: 10pt; text-align: left"> </td></tr>
</table></div>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">For the three months ended October 31, 2015, additional
employee stock options to purchase 325,729 shares of common stock were excluded from the computation of diluted net loss per share
as their effect would be anti-dilutive.</p></div><p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b></b></p><div data-td-statement-type="note"><p style="font-size: 10pt; text-align: justify; margin: 0"><b>I – Stock-Based Compensation</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin-right: 0; margin-left: 0">The Company has stock-based
compensation plans available to grant non-qualified stock options, incentive stock options and restricted stock to employees, directors
and certain advisors of the Company. The stock-based compensation plans being utilized at October 31, 2015 are the Amended and
Restated Stock Option Plan and the Amended and Restated Stock Incentive Plan. The Company recorded total stock-based compensation
expense for all plans of approximately $949,000 ($595,000 after tax effects) and $412,000 ($258,000 after tax effects) for the
six months ended October 31, 2015 and 2014, respectively. Tax benefits were recognized for these costs at the Company’s overall
effective tax rate.</p>
<p style="font-size: 10pt; margin-right: 0; margin-left: 0"><i>Stock Options</i></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0">The Company has options outstanding under two stock
option plans approved by the shareholders, the 1997 Stock Option Plan (“1997 Plan”) and the Amended and Restated Stock
Option Plan, formerly the 2007 Stock Option Plan (the “2007 Plan”). While previously granted options remain outstanding,
no additional option grants may be made under the 1997 Plan. The shareholders of the Company approved the Amended and Restated
Stock Option Plan (the “Restated Option Plan”) on August 5, 2015. The Restated Option Plan is an amendment and restatement
of the 2007 Plan. The amendment and restatement extends the term of the Restated Option Plan to June 10, 2025 and increases the
number of shares of common stock reserved for issuance under the plan by an additional 300,000 shares to 1,800,000 shares. The
Restated Option Plan provides for the grant of options to purchase shares of the Company’s common stock to employees, directors
and certain advisors of the Company at a price not less than the fair market value of the stock on the date of grant and for periods
not to exceed ten years. Options granted under the Company’s stock option plans expire in the calendar years 2016 through
2025.</p>
<p style="font-size: 10pt; text-align: center; text-indent: 9.35pt; margin-right: 0; margin-left: 0; color: Red"><b></b></p>
<div data-td-taggable-table=""><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; text-align: center; padding-bottom: 1pt"></td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">1997 Plan</td><td style="padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">Restated <br>
Option Plan</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="width: 74%; font-size: 10pt; text-align: left">Minimum exercise price as a percentage of fair market value at date
of grant</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: center">100%</td><td style="width: 1%; font-size: 10pt; text-align: left"></td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: center">100%</td><td style="width: 1%; font-size: 10pt; text-align: left"></td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: justify">Last expiration date for outstanding options</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td nowrap="" style="font-size: 10pt; text-align: center">July 2, 2017</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td nowrap="" style="font-size: 10pt; text-align: center">August 5, 2025</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: justify">Shares available for grant at October 31, 2015</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: center">-</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: center">322,250</td><td style="font-size: 10pt; text-align: left"> </td></tr>
</table></div>
<p style="font-size: 10pt; text-align: center; text-indent: 9.35pt; margin-right: 0; margin-left: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"></p>
<!-- Field: Page; Sequence: 15; Value: 2 -->
<div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 4pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="width: 100%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->15<!-- Field: /Sequence --></td></tr></table></div>
<div style="page-break-before: always; margin-top: 6pt"> </div>
<!-- Field: /Page -->
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The fair value of options granted is estimated on
the date of grant using the Black-Scholes option pricing model based on the assumptions in the table below.</p>
<p style="font-size: 10pt; text-align: center; text-indent: 9pt; margin: 0; color: Red"><b> </b></p>
<p style="font-size: 10pt; text-align: center; text-indent: 9pt; margin: 0; color: Red"><b></b></p>
<div data-td-taggable-table=""><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt"> </td><td style="font-size: 10pt"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center">Six Months Ended<br> October 31,</td></tr>
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; text-align: justify"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="width: 74%; font-size: 10pt; text-align: justify">Expected term (years)</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">5.5</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">5.3</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: justify">Risk-free interest rate</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1.58</td><td style="font-size: 10pt; text-align: left">%</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1.65</td><td style="font-size: 10pt; text-align: left">%</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: justify">Volatility</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">34</td><td style="font-size: 10pt; text-align: left">%</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">35</td><td style="font-size: 10pt; text-align: left">%</td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: justify">Dividend yield</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">-</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">-</td><td style="font-size: 10pt; text-align: left"> </td></tr>
</table></div>
<p style="font-size: 10pt; text-align: center; text-indent: 9pt; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The expected term of the options is based on evaluations
of historical and expected future employee exercise behavior. The risk-free interest rate is based on the U.S. Treasury rates at
the date of grant with maturity dates approximately equal to the expected life at the grant date. Volatility is based on historical
volatility of the Company’s common stock. The Company has not historically issued any dividends and does not expect to do
so in the foreseeable future.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">There were 298,750 and 44,000 options granted during
the six months ended October 31, 2015 and 2014, respectively. The grant-date fair value of options granted during the six months
ended October 31, 2015 and 2014 was $5.2 million and $595,000, respectively. The options were granted at fair market value on the
date of grant.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">Stock option compensation expense on a pre-tax basis
was $887,000 ($556,000 after tax effects) and $353,000 ($221,000 after tax effects) for the six months ended October 31, 2015 and
2014, respectively. As of October 31, 2015, the Company had approximately $4.1 million of total unrecognized compensation cost
related to unvested options that are expected to vest. These unvested outstanding options have a weighted-average remaining vesting
period of 4.14 years.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">In May 2015, key employees of the Company were granted
104,250 performance based stock options with a five-year performance period ending April 30, 2020. An additional 40,000 such options
were granted to key employees of the Company in August 2015. Tiered vesting of these units is based solely on comparing the Company’s
net income over the specified performance period to net income at April 30, 2015. As of October 31, 2015, the Company had $1.2
million in unrecognized compensation expense related to 68,750 of these options that are not currently expected to vest.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The aggregate intrinsic value of outstanding options
at October 31, 2015 and 2014 was $11.2 million and $24.8 million, respectively.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The Company had the following options exercised for
the periods indicated. The impact of these cash receipts is included in financing activities in the accompanying Consolidated Statements
of Cash Flows.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"></p>
<div data-td-taggable-table=""><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt"> </td><td style="font-size: 10pt"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center">Six Months Ended<br> October 31,</td></tr>
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; font-style: italic; border-bottom: Black 1pt solid">(Dollars in thousands)</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="width: 74%; font-size: 10pt; text-align: left">Options exercised</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">17,750</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">88,750</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left">Cash received from option exercises</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">245</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">1,546</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt">Intrinsic value of options exercised</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">690</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">2,129</td><td style="font-size: 10pt; text-align: left"> </td></tr>
</table></div>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"></p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">As of October 31, 2015 there were 917,000 vested and
exercisable stock options outstanding with an aggregate intrinsic value of $11.2 million and a weighted average remaining contractual
life of 3.90 years and a weighted average exercise price of $23.17.</p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Stock Incentive Plan</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The shareholders of the Company approved an amendment
to the Company’s Stock Incentive Plan on October 14, 2009. The amendment increased from 150,000 to 350,000 the number of
shares of common stock that may be issued under the Stock Incentive Plan. The shareholders of the Company approved the
Amended and Restated Stock Incentive Plan on August 5, 2015, which extended the term of the Stock Incentive Plan to June 10, 2025.
For shares issued under the Stock Incentive Plan, the associated compensation expense is generally recognized equally over the
vesting periods established at the award date and is subject to the employee’s continued employment by the Company.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"></p>
<!-- Field: Page; Sequence: 16; Value: 2 -->
<div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 4pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="width: 100%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->16<!-- Field: /Sequence --></td></tr></table></div>
<div style="page-break-before: always; margin-top: 6pt"> </div>
<!-- Field: /Page -->
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">There were no restricted shares granted during
the first six months of fiscal 2016 or fiscal 2015. A total of 177,527 shares remained available for award at October 31, 2015.
There were 9,500 unvested shares at October 31, 2015 with a weighted average grant date fair value of $52.10.</p>
<p style="font-size: 10pt; text-align: center; text-indent: 0.5in; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The Company recorded compensation cost of approximately
$50,000 ($31,000 after tax effects) and $45,000 ($28,200 after tax effects) related to the Stock Incentive Plan during the six
months ended October 31, 2015 and 2014, respectively. As of October 31, 2015, the Company had approximately $445,000<font style="color: #FF9900">
</font>of total unrecognized compensation cost related to unvested awards granted under the Stock Incentive Plan, which the Company
expects to recognize over a weighted-average remaining period of 4.5 years.</p>
<p style="font-size: 10pt; text-indent: 0.5in; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">There were no modifications to any of the Company’s
outstanding share-based payment awards during fiscal 2015 or during the first six months of fiscal 2016.</p></div><p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b></b></p><div data-td-statement-type="note"><p style="font-size: 10pt; text-align: justify; margin: 0"><b>J – Commitments and Contingencies</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company has a standby letter of credit relating
to an insurance policy totaling $1 million at October 31, 2015.</p></div><p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b></b></p><div data-td-statement-type="note"><p style="font-size: 10pt; text-align: justify; margin: 0"><b>K - Supplemental Cash Flow Information</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">Supplemental cash flow disclosures are as follows:</p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b> </b></p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<div data-td-taggable-table=""><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; text-align: center"></td><td> </td>
<td colspan="7" style="font-size: 10pt; text-align: center">Six Months Ended<br> October 31,</td></tr>
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; font-style: italic; border-bottom: Black 1pt solid">(in thousands)</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td><td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left">Supplemental disclosures:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="width: 74%; font-size: 10pt; text-align: left; text-indent: 10pt">Interest paid</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">1,782</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">1,376</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Income taxes paid, net</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">2,990</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">5,238</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left">Non-cash transactions:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Inventory acquired in repossession and payment protection plan claims</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">23,054</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">21,272</td><td style="font-size: 10pt; text-align: left"> </td></tr>
</table></div>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p></div><p style="font-size: 10pt; text-align: justify; margin: 0"><b></b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b>Item 2. Management's Discussion and Analysis of Financial Condition
and Results of Operations</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The following discussion should be read in conjunction
with the Company's consolidated financial statements and notes thereto appearing elsewhere in this report.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b>Forward-Looking Information</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">This Quarterly Report on Form 10-Q contains “forward-looking
statements” within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements
address the Company’s future objectives, plans and goals, as well as the Company’s intent, beliefs and current expectations
regarding future operating performance, and can generally be identified by words such as “may”, “will”,
“should”, “could”, “believe”, “expect”, “anticipate”, “intend”,
“plan”, “foresee”, and other similar words or phrases. Specific events addressed by these forward-looking
statements include, but are not limited to:</p>
<p style="font-size: 10pt; margin: 0"> </p>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>new dealership openings;</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>performance of new dealerships;</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>same dealership revenue growth;</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>future revenue growth;</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>receivables growth as related to revenue growth;</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>gross margin percentages;</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>interest rates;</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>future credit losses;</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>the Company’s collection results, including but not limited to collections during income tax refund periods;</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>seasonality;</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>security breaches, cyber-attacks, or fraudulent activity;</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>compliance with tax regulations;</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>the Company’s business and growth strategies;</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>financing the majority of growth from profits; and</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>having adequate liquidity to satisfy its capital needs.</td></tr></table>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"></p>
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<div style="page-break-before: always; margin-top: 6pt"> </div>
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<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">These forward-looking statements are based on the
Company’s current estimates and assumptions and involve various risks and uncertainties. As a result, you are cautioned that
these forward-looking statements are not guarantees of future performance, and that actual results could differ materially from
those projected in these forward-looking statements. Factors that may cause actual results to differ materially from the Company’s
projections include those risks described elsewhere in this report, as well as:</p>
<p style="font-size: 10pt; margin: 0"> </p>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>the availability of credit facilities to support the Company’s business;</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>the Company’s ability to underwrite and collect its contracts effectively;</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>competition;</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>dependence on existing management;</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>availability of quality vehicles at prices that will be affordable to customers;</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>changes in consumer finance laws or regulations, including but not limited to rules and regulations that have recently been
enacted or could be enacted by federal and state governments; and</td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in"><font style="font-family: Symbol">·</font></td><td>general economic conditions in the markets in which the Company operates, including but not limited to fluctuations in gas
prices, grocery prices and employment levels.</td></tr></table>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company undertakes no obligation to update
or revise any forward-looking statements, whether as a result of new information, future events or otherwise. You are cautioned
not to place undue reliance on these forward-looking statements, which speak only as of the dates on which they are made.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b>Overview</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">America’s Car-Mart, Inc., a Texas corporation
initially formed in 1981 (the “Company”), is one of the largest publicly held automotive retailers in the United States
focused exclusively on the “Integrated Auto Sales and Finance” segment of the used car market. References to the Company
include the Company’s consolidated subsidiaries. The Company’s operations are principally conducted through its two
operating subsidiaries, America’s Car Mart, Inc., an Arkansas corporation (“Car-Mart of Arkansas”), and Colonial
Auto Finance, Inc., an Arkansas corporation (“Colonial”). Collectively, Car-Mart of Arkansas and Colonial are referred
to herein as “Car-Mart”. The Company primarily sells older model used vehicles and provides financing for substantially
all of its customers. Many of the Company’s customers have limited financial resources and would not qualify for conventional
financing as a result of limited credit histories or past credit problems. As of October 31, 2015, the Company operated 145 dealerships
located primarily in small cities throughout the South-Central United States.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Car-Mart has been operating since 1981. Car-Mart
has grown its revenues between 3% and 14% per year over the last ten fiscal years (average 10%). Growth results from same dealership
revenue growth and the addition of new dealerships. Revenue increased 5.5% for the first six months of fiscal 2016 compared to
the same period of fiscal 2015 due primarily to a 6.6% increase in the average selling price to $10,098, and a 7.5% increase in
interest income, offset by a 1.9% decrease in retail units sold.</p>
<p style="font-size: 10pt; text-indent: 0.5in; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company’s primary focus is on collections.
Each dealership is responsible for its own collections with supervisory involvement of the corporate office. Over the last five
fiscal years, the Company’s credit losses as a percentage of sales have ranged from approximately 20.8% in fiscal 2011 to
27.4% in fiscal 2014 (25.7% excluding the effect of the increase in the allowance for credit losses made in the third quarter of
fiscal 2014) (average of 23.6%). The Company’s credit losses for fiscal 2011 and fiscal 2012 were 20.8% and 21.1% of sales,
respectively, which were within the range of credit losses that the Company targeted annually. Credit losses as a percentage of
sales in fiscal 2013 increased to 23.1%, primarily due to increased contract term lengths and lower down payments resulting from
increased competitive pressures as well as higher charge-offs caused, to an extent, by negative macro-economic factors affecting
the Company’s customer base. These competitive pressures intensified in fiscal 2014 and, along with a continued challenging
macro-economic environment for our customers, further impacted the Company’s credit losses in fiscal 2014 through lower finance
receivables collections and higher charge-offs, coupled with the effect of lower wholesale sales. Credit losses as a percentage
of sales for fiscal 2015 were 25.5%, as competitive pressures leveled off but remained elevated and the increased number of newer
dealerships weighed on credit loss results. For the first six months of fiscal 2016, credit losses as a percentage of sales increased
to 29.9% (28.0% excluding the increase to the allowance for credit losses), due to a higher frequency of losses and, to a lesser
but significant extent, an increase in severity. The Company believes the higher frequency of losses relates in part to continued
competitive pressures as well as internal operational challenges. The increase in severity of losses resulted from higher volumes
and lower wholesale values at repossession.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"></p>
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<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Historically, credit losses, on a percentage basis,
tend to be higher at new and developing dealerships than at mature dealerships. Generally, this is the case because the management
at new and developing dealerships tends to be less experienced in making credit decisions and collecting customer accounts and
the customer base is less seasoned. Normally the older, more mature dealerships have more repeat customers and, on average, repeat
customers are a better credit risk than non-repeat customers. Negative macro-economic issues do not always lead to higher credit
loss results for the Company because the Company provides basic affordable transportation which in many cases is not a discretionary
expenditure for customers. However, the Company does believe that general inflation, particularly within staple items such as groceries,
as well as overall unemployment levels and potentially lower or stagnant personal income levels affecting customers can have, and
have had in recent quarters, a negative impact on collections. Additionally, increased competition for used vehicle financing can
have, and has had in recent quarters, a negative effect on collections and charge-offs.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">In an effort to offset the elevated credit losses
and lower collection levels and to operate more efficiently, the Company continues to look for improvements to its business practices,
including better underwriting and better collection procedures. The Company has a proprietary credit scoring system which enables
the Company to monitor the quality of contracts. Corporate office personnel monitor proprietary credit scores and work with dealerships
when the distribution of scores falls outside of prescribed thresholds. The Company has implemented credit reporting and has been
installing global positioning system (“GPS”) units on vehicles. Additionally, the Company has placed significant focus
on the collection area as the Company’s training department continues to spend significant time and effort on collections
improvements. The Support Operations Officer oversees the collections department and provides timely oversight and additional accountability
on a consistent basis. In addition, the Company has a Director of Collection Services who assists with managing the Company’s
servicing and collections practices and provides additional monitoring and training. Also, turnover at the dealership level for
collections positions is down compared to historical levels, which management believes has a positive effect on collection results.
The Company believes that the proper execution of its business practices is the single most important determinant of its long term
credit loss experience.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company’s gross margins as a percentage
of sales have been fairly consistent from year to year. Over the last five fiscal years, the Company’s gross margins as a
percentage of sales have ranged between approximately 42% and 43%. Gross margin as a percentage of sales for fiscal 2015 was 42.3%.
The Company’s gross margins are based upon the cost of the vehicle purchased, with lower-priced vehicles typically having
higher gross margin percentages. Gross margins in recent years have been negatively affected by the increase in the average retail
sales price (a function of a higher purchase price) and higher operating costs, mostly related to increased vehicle repair costs
and, in some periods higher fuel costs. Additionally, the percentage of wholesale sales to retail sales, which relate for the most
part to repossessed vehicles sold at or near cost, can have a significant effect on overall gross margins. The gross margin percentage
in fiscal 2011 and fiscal 2012 was negatively affected by higher wholesale sales, increased average retail selling price, higher
inventory repair costs and lower margins on the payment protection plan and service contract products. Gross margin improved slightly
in fiscal 2013 due to improved wholesale results partially offset by higher losses under the payment protection plan. The gross
margin for fiscal 2014 was affected by higher inventory repair costs resulting from continued efforts to help our customers succeed
and to meet competitive pressures and higher claims under the payment protection plan. Gross margins as a percentage of sales for
fiscal 2015 remained relatively flat compared to fiscal 2014. For the first six months of fiscal 2016, gross margin decreased to
40.2% of sales primarily due to the high level of repossession activity, as both the volume of wholesales and the prices received
from wholesale sales had a negative effect on overall gross margins, as did higher repair expenses. The Company expects that its
gross margin percentage will continue to remain under pressure over the near term.</p>
<p style="font-size: 10pt; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Hiring, training and retaining qualified associates
are critical to the Company’s success. The rate at which the Company adds new dealerships and is able to implement operating
initiatives is limited by the number of trained managers and support personnel the Company has at its disposal. Excessive turnover,
particularly at the dealership manager level, could impact the Company’s ability to add new dealerships and to meet operational
initiatives. The Company has added resources to recruit, train, and develop personnel, especially personnel targeted to fill dealership
manager positions. The Company expects to continue to invest in the development of its workforce.</p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
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<p style="font-size: 10pt; text-align: justify; margin: 0"></p>
<p style="font-size: 10pt; text-align: center; margin: 0">Consolidated Operations</p>
<p style="font-size: 10pt; text-align: center; margin: 0">(Operating Statement Dollars in Thousands)</p>
<p style="font-size: 10pt; text-align: center; margin: 0"> </p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; text-align: center; padding-bottom: 1pt"></td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; padding-bottom: 1pt"></td><td style="padding-bottom: 1pt"> </td>
<td colspan="3"> </td><td style="padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">% Change</td><td style="padding-bottom: 1pt"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">As a % of Sales</td></tr>
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; text-align: center"></td><td style="font-size: 10pt"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center">Three Months Ended<br> October 31, </td><td> </td>
<td colspan="3" style="font-size: 10pt; text-align: center"><p style="margin-top: 0; margin-bottom: 0">2015</p>
<p style="margin-top: 0; margin-bottom: 0">vs.</p></td><td> </td>
<td colspan="7" style="font-size: 10pt; text-align: center">Three Months Ended<br> October 31,</td></tr>
<tr style="vertical-align: bottom">
<td> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left">Revenues:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="width: 35%; font-size: 10pt; text-align: left; text-indent: 10pt">Sales</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">117,670</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">119,435</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">(1.5</td><td style="width: 1%; font-size: 10pt; text-align: left">)%</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">100.0</td><td style="width: 1%; font-size: 10pt; text-align: left">%</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">100.0</td><td style="width: 1%; font-size: 10pt; text-align: left">%</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Interest income</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">15,334</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">14,399</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right">6.5</td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">13.0</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">12.1</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 20pt">Total</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">133,004</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">133,834</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right">(0.6</td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">113.0</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">112.1</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left">Costs and expenses:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Cost of sales, excluding depreciation shown below</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">71,596</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">68,156</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">5.0</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">60.8</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">57.1</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Selling, general and administrative</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">22,239</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">20,655</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">7.7</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">18.9</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">17.3</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Provision for credit losses</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">38,094</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">31,371</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">21.4</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">32.4</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">26.3</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Interest expense</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">792</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">721</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">9.8</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">0.7</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">0.6</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Depreciation and amortization</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1,038</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">929</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">11.7</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">0.9</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">0.8</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Loss on disposal of property and equipment</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">19</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">20</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right">(5.0</td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">-</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">-</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 20pt"><font style="font-size: 10pt">Total</font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">133,778</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">121,852</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right"><font style="font-size: 10pt">9.8</font></td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">113.7</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">102.0</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 20pt"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: right"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: right"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: right"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: right"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 2.25pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; text-align: right"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 20pt"><font style="font-size: 10pt">Pretax income (loss)</font></td><td style="font-size: 10pt; padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><font style="font-size: 10pt">$</font></td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><font style="font-size: 10pt">(774</font></td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><font style="font-size: 10pt">)</font></td><td style="font-size: 10pt; padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><font style="font-size: 10pt">$</font></td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><font style="font-size: 10pt">11,982</font></td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: right"></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"></td><td style="font-size: 10pt; padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><font style="font-size: 10pt">(0.7</font></td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><font style="font-size: 10pt">)%</font></td><td style="padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 2.25pt double; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 2.25pt double; text-align: right"><font style="font-size: 10pt">10.0</font></td><td style="border-bottom: Black 2.25pt double; text-align: left"><font style="font-size: 10pt">%</font></td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt">Operating Data:</font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Retail units sold</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">10,881</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">12,084</td><td style="font-size: 10pt; text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Average stores in operation</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">144</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">136</td><td style="font-size: 10pt; text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Average units sold per store per month</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">25.3</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">29.6</td><td style="font-size: 10pt; text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Average retail sales price</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">10,247</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">9,490</td><td style="font-size: 10pt; text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Same store revenue change</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(3.4</td><td style="font-size: 10pt; text-align: left">)%</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">5.4</td><td style="font-size: 10pt; text-align: left">%</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left">Period End Data:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Stores open</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">145</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">136</td><td style="font-size: 10pt; text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Accounts over 30 days past due</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">3.5</td><td style="font-size: 10pt; text-align: left">%</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">4.4</td><td style="font-size: 10pt; text-align: left">%</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
</table>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><B>Three Months Ended October 31, 2015 vs. Three Months Ended October
31, 2014</B></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </P>
<P STYLE="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">Revenues decreased by approximately $830,000, or 0.6%, for the three months ended October 31, 2015 as
compared to the same period in the prior fiscal year. The decrease was the result of decreased revenues from dealerships that operated
a full three months in both periods ($4.6 million or (3.4)%), offset largely by revenue growth from dealerships opened after October
31, 2014 ($3.8 million).We believe the overall revenue decrease resulted from the combined effects of continued high levels of
competitive pressure and our current focus on improving overall operations, rather than aggressively pursuing short term results.
While competition is still intense, we remain focused on providing an affordable vehicle with reasonable payment terms and offering
excellent customer service.</P>
<P STYLE="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Cost of sales, as a percentage of sales, increased
to 60.8% for the three months ended October 31, 2015 compared to 57.1% for the same period of the prior fiscal year. The average
retail sales price for the second quarter of fiscal 2016 increased $757 from the second quarter of fiscal 2015, due primarily to
the effect of a new 12-month service contract, as well as an increase in the pricing for the payment protection plan product. The
Company currently anticipates moderately increasing overall sales prices based on continued improvements to the quality of the
underlying vehicles. The consumer demand for vehicles the Company purchases for resale remains high. This high demand has been
exacerbated by the recent increases in funding to the used vehicle financing market and until more recently by the overall decrease
in new car sales during the recession when compared to pre-recession levels. Both the supply of vehicles as well as the availability
of funding to the used vehicle finance market can result in higher purchase costs for the Company. However, recent increases in
new car sales have had a positive effect on purchase costs. Average selling prices and top line sales levels in relation to wholesale
volumes and prices, resulting from credit loss experience, can have a significant effect on gross margin percentages.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"></p>
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<div style="page-break-before: always; margin-top: 6pt"> </div>
<!-- Field: /Page -->
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Selling, general and administrative expenses, as
a percentage of sales, were 18.9% for the three months ended October 31, 2015, an increase of 1.6% from the same period of the
prior fiscal year. Selling, general and administrative expenses are, for the most part, more fixed in nature. In dollar terms,
overall selling, general and administrative expenses increased $1.6 million in the second quarter of fiscal 2016 compared to the
same period of the prior fiscal year, related primarily to higher payroll costs and other incremental costs related to new lot
openings, growth of younger dealerships and infrastructure costs to support our growth.</p>
<p style="font-size: 10pt; text-align: left; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Provision for credit losses as a percentage of
sales was 32.4% (28.3% excluding the increase to the allowance for credit losses) for the three months ended October 31, 2015 compared
to 26.3% for the three months ended October 31, 2014. The increase for the quarter related primarily to an increase in the allowance
for credit losses to 25% from 23.8% due to higher than anticipated credit losses. Net charge-offs as a percentage of average finance
receivables were 7.8% for the three months ended October 31, 2015 compared to 7.0% for the prior year quarter. The increase for
the quarter related equally to a higher frequency of losses and an increase in severity caused by lower wholesale values at repossession.
The Company believes the higher frequency of losses relates in part to continued competitive pressures as well as internal operational
challenges. The higher severity of losses resulted from lower wholesale values at repossession. The Company has implemented several
operational initiatives (including credit reporting and installing GPS technology on vehicles) for the collections area and continues
to push for improvements and better execution of its collection practices. However, the extended challenging macro-economic and
competitive conditions are expected to continue to put pressure on our customers and the resulting collections of our finance receivables.
The Company believes that the proper execution of its business practices remains the single most important determinant of its long-term
credit loss experience.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">Interest expense for the three months ended October
31, 2015 as a percentage of sales remained relatively flat at 0.7% for the three months ended October 31, 2015 compared to 0.6%
for the same period in prior year. Average borrowings during the three months ended October 31, 2015 were $106.1 million,
compared to $104.8 million for the prior year quarter.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: center; margin: 0"></p>
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<div style="page-break-before: always; margin-top: 6pt"> </div>
<!-- Field: /Page -->
<p style="font-size: 10pt; text-align: center; margin: 0">Consolidated Operations</p>
<p style="font-size: 10pt; text-align: center; margin: 0">(Operating Statement Dollars in Thousands)</p>
<p style="font-size: 10pt; text-align: center; margin: 0"> </p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; text-align: center; padding-bottom: 1pt"></td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; padding-bottom: 1pt"></td><td style="padding-bottom: 1pt"> </td>
<td colspan="3"> </td><td style="padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">% Change</td><td style="padding-bottom: 1pt"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">As a % of Sales</td></tr>
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; text-align: center"></td><td style="font-size: 10pt"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center">Six Months Ended <br> October 31, </td><td> </td>
<td colspan="3" style="font-size: 10pt; text-align: center"><p style="margin-top: 0; margin-bottom: 0">2015</p>
<p style="margin-top: 0; margin-bottom: 0">vs.</p></td><td> </td>
<td colspan="7" style="font-size: 10pt; text-align: center">Six Months Ended<br> October 31,</td></tr>
<tr style="vertical-align: bottom">
<td> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left">Revenues:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="width: 35%; font-size: 10pt; text-align: left; text-indent: 10pt">Sales</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">245,265</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">232,894</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">5.3</td><td style="width: 1%; font-size: 10pt; text-align: left">%</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">100.0</td><td style="width: 1%; font-size: 10pt; text-align: left">%</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">100.0</td><td style="width: 1%; font-size: 10pt; text-align: left">%</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Interest income</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">30,428</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">28,316</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right">7.5</td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">12.4</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">12.2</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 20pt">Total</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">275,693</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">261,210</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right">5.5</td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">112.4</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">112.2</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right"> </td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right"> </td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right"> </td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right"> </td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right"> </td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left">Costs and expenses:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Cost of sales, excluding depreciation shown below</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">146,682</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">133,627</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">9.8</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">59.8</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">57.4</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Selling, general and administrative</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">45,363</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">41,475</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">9.4</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">18.5</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">17.8</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Provision for credit losses</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">73,439</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">59,247</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">24.0</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">29.9</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">25.4</td><td style="font-size: 10pt; text-align: left"> </td></tr>
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<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Interest expense</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1,552</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1,396</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">11.2</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">0.6</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">0.6</td><td style="font-size: 10pt; text-align: left"> </td></tr>
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<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Depreciation and amortization</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">2,048</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1,847</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">10.9</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">0.8</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt"><font style="font-size: 10pt"> </font></td>
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; text-align: right"><font style="font-size: 10pt">0.8</font></td><td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt"><font style="font-size: 10pt">Loss on Disposal of Property
and Equipment</font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">19</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">20</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right"><font style="font-size: 10pt">(5.0</font></td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt">)</font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">-</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">-</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 20pt"><font style="font-size: 10pt">Total</font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">269,103</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">237,612</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right"><font style="font-size: 10pt">13.3</font></td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">109.7</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><font style="font-size: 10pt">102.0</font></td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 20pt"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 1pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 20pt"><font style="font-size: 10pt">Pretax income</font></td><td style="font-size: 10pt; padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><font style="font-size: 10pt">$</font></td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><font style="font-size: 10pt">6,590</font></td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><font style="font-size: 10pt">$</font></td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><font style="font-size: 10pt">23,598</font></td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: right"></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"></td><td style="font-size: 10pt; padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right"><font style="font-size: 10pt">2.7</font></td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"><font style="font-size: 10pt">%</font></td><td style="padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="border-bottom: Black 2.25pt double; text-align: left"><font style="font-size: 10pt"> </font></td><td style="border-bottom: Black 2.25pt double; text-align: right"><font style="font-size: 10pt">10.1</font></td><td style="border-bottom: Black 2.25pt double; text-align: left"><font style="font-size: 10pt">%</font></td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 20pt"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: right"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: right"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: right"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="font-size: 10pt; padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: right"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; font-size: 10pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt"><font style="font-size: 10pt"> </font></td>
<td style="padding-bottom: 2.25pt; text-align: left"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; text-align: right"><font style="font-size: 10pt"> </font></td><td style="padding-bottom: 2.25pt; text-align: left"><font style="font-size: 10pt"> </font></td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left"><font style="font-size: 10pt">Operating Data:</font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"><font style="font-size: 10pt"> </font></td><td style="text-align: left"><font style="font-size: 10pt"> </font></td><td><font style="font-size: 10pt"> </font></td>
<td style="text-align: left"><font style="font-size: 10pt"> </font></td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Retail units sold</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">23,125</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">23,566</td><td style="font-size: 10pt; text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Average stores in operation</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">143</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">136</td><td style="font-size: 10pt; text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Average units sold per store per month</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">27.0</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">28.9</td><td style="font-size: 10pt; text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Average retail sales price</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">10,098</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">9,477</td><td style="font-size: 10pt; text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Same store revenue change</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">2.4</td><td style="font-size: 10pt; text-align: left">%</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1.7</td><td style="font-size: 10pt; text-align: left">%</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left">Period End Data:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Stores open</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">145</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">136</td><td style="font-size: 10pt; text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Accounts over 30 days past due</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">3.5</td><td style="font-size: 10pt; text-align: left">%</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">4.4</td><td style="font-size: 10pt; text-align: left">%</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
</table>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"> </p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b>Six Months Ended October 31, 2015 vs. Six Months Ended October 31,
2014</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">Revenues increased by $14.5 million, or 5.5%, for
the six months ended October 31, 2015 as compared to the same period in the prior fiscal year. The increase was the result of (i)
revenue growth from dealerships opened during the six months ended October 31, 2014 ($1.3 million), (ii) revenue from dealerships
opened after October 31, 2014 ($6.9 million), and (iii) revenue growth from dealerships that operated a full six months in both
periods ($6.3 million or 2.4%).</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">Cost of sales as a percentage of sales increased 2.4%
to 59.8% for the six months ended October 31, 2015 from 57.4% in the same period of the prior fiscal year. The increase from the
prior year period relates primarily to an increase in inventory purchase prices and related repair costs. The average retail sales
price increased 6.6% to $10,098 for the six months ended October 31, 2015 compared to $9,477 for the six months ended October 31,
2014. Average selling prices and top line sales levels in relation to wholesale volumes, resulting from credit loss experience,
can have a significant effect on gross margin percentages. The decrease in gross margin relates largely to higher wholesale volumes
and losses, partially attributable to inventory improvements, and higher expenses related to wholesales. The higher average selling
price also carries a lower gross profit percentage, and the lower top line sales levels also had a negative effect on overall gross
margins. The Company expects gross margin percentages to remain under pressure over the near term but does anticipate improvement
over the most recent quarterly results.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">Selling, general and administrative expense as a percentage
of sales was 18.5% for the six months ended October 31, 2015, an increase of 0.7% from the same period of the prior fiscal year.
Selling, general and administrative expenses are, for the most part, more fixed in nature. The overall dollar increase of $3.9
million related primarily to higher payroll costs and incremental costs related to new locations and higher marketing and advertising
costs as well as the increased costs related to the GPS implementation.</p>
<p style="font-size: 10pt; text-align: left; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"></p>
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<div style="page-break-before: always; margin-top: 6pt"> </div>
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<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Provision for credit losses as a percentage of
sales increased 4.5% to 29.9% (28.0% excluding the increase to the allowance for credit losses) for the six months ended October
31, 2015 from 25.4% in the same period of the prior fiscal year. Net charge-offs as a percentage of average finance receivables
was 15.6% for the six months ended October 31, 2015 compared to 13.4% for the prior year quarter. Continuing macro-economic challenges
and competitive conditions continue to put pressure on our customers and the resulting collections of our finance receivables,
although the lower gas prices during fiscal 2016 provided some relief for our customers. The Company has implemented several operational
initiatives (including credit reporting and installing GPS units on vehicles) for the collections area and continually pushes for
improvements and better execution of its collection practices. The Company believes that the proper execution of its business practices
is the single most important determinate of credit loss experience and that the negative impact on credit losses in both the current
and prior year periods resulting from negative macro-economic and competitive pressures has been somewhat mitigated by the improvements
in oversight and accountability provided by the Company’s investments in our corporate infrastructure within the collection
area.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">Interest expense as a percentage of sales remained
consistent at 0.6% for the six months ended October 31, 2015 compared to the same period of the prior fiscal year. The overall
dollar increase in interest expense was attributable to higher average borrowings during the six months ended October 31, 2015
as compared to the same period in the prior fiscal year ($105.2 million compared to $99.4 million) partially offset by lower interest
rates on the Company’s variable rate debt.</p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; margin: 0; background-color: white"><b>Financial Condition</b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 0in; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The following table sets forth the major balance sheet
accounts of the Company as of the dates specified (in thousands):</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: center; text-indent: 0in; margin: 0; color: Red"><b></b></p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; text-align: center; padding-bottom: 1pt"></td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" nowrap="" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">October 31, 2015</td><td style="padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">April 30, 2015</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: justify">Assets:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="width: 74%; font-size: 10pt; text-align: left; text-indent: 10pt">Finance receivables, net</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">327,229</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">324,144</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Inventory</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">34,253</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">34,267</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Income taxes receivable, net</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">250</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">645</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Property and equipment, net</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">34,818</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">33,963</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left">Liabilities:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Accounts payable and accrued liabilities</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">24,145</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">23,730</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Deferred revenue</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">25,926</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">25,236</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Deferred tax liabilities, net</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">18,059</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">19,178</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt"><font style="font-size: 10pt; font-weight: normal; font-style: normal">Debt facilities</font></td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">104,424</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">102,685</td><td style="font-size: 10pt; text-align: left"> </td></tr>
</table>
<p style="font-size: 10pt; text-align: center; text-indent: 0in; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: center; text-indent: 0in; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Historically, finance receivables tended to grow
slightly faster than revenue. This has been due, to a large extent, to an increasing weighted average term necessitated
by increases in the average retail sales price over recent years. Software and operational changes made in an effort to maximize
up-front equity and schedule payments to coincide with anticipated income tax refunds have helped maintain the overall term length
in the face of the increasing average retail sales prices. However, recent competitive and economic conditions caused the Company
in fiscal 2015 to begin initiating structural changes to its originating customer contracts that included increases to the overall
length of contract terms. These increases were mitigated somewhat due to declines in the average retail sales price in fiscal 2015.
During the second quarter of fiscal 2016, the average retail sales price increased, resulting in some additional increase in overall
contract terms. The weighted average term for installment sales contracts at October 31, 2015 was 30.6 months as compared to 29.6
months at October 31, 2014. The Company currently anticipates going forward that the growth in finance receivables will be higher
than overall revenue growth on an annual basis due to the overall term length increases partially offset by improvements in underwriting
and collection procedures. Revenue growth results from same store revenue growth and the addition of new dealerships.</p>
<p style="font-size: 10pt; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">During the first six months of fiscal 2016, inventory
remained consistent as compared to inventory at April 30, 2015. The Company strives to offer a broad mix and sufficient quantities
of vehicles to adequately serve its expanding customer base. The Company will continue to manage inventory levels in the future
to ensure adequate supply, in volume and mix, and to meet anticipated sales demand.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"></p>
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<div style="page-break-before: always; margin-top: 6pt"> </div>
<!-- Field: /Page -->
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">Property and equipment, net, increased by $855,000
at October 31, 2015 as compared to property and equipment, net, at April 30, 2015. The Company incurred $2.9 million in expenditures
related to new dealerships as well as to refurbish and expand existing locations, offset by depreciation expense.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0; text-indent: 0.5in"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">Accounts payable and accrued liabilities increased
by $414,000 during the first six months of fiscal 2016 as compared to accounts payable and accrued liabilities at April 30, 2015
related primarily to higher expenditures for cost of goods sold and selling, general and administrative costs.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">Deferred revenue increased $690,000 at October 31,
2015 as compared to April 30, 2015 primarily resulting from the increased sales of the payment protection plan product and service
contracts and the higher price on the new service contracts.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">Income taxes receivable, net, remained consistent
at October 31, 2015 as compared to April 30, 2015 primarily due to the timing of quarterly tax payments.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Deferred income tax liabilities, net, decreased
approximately $1.1 million at October 31, 2015 as compared to April 30, 2015 due primarily to the change in finance receivables
and the book/tax difference on fixed assets.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">Borrowings on the Company’s revolving credit
facilities fluctuate primarily based upon a number of factors including (i) net income, (ii) finance receivables changes, (iii)
income taxes, (iv) capital expenditures and (v) common stock repurchases. Historically, income from continuing operations,
as well as borrowings on the revolving credit facilities, have funded the Company’s finance receivables growth, capital asset
purchases and common stock repurchases. In the first six months of fiscal 2016, the Company funded finance receivables growth of
$10.3 million, capital expenditures of $2.9 million and common stock repurchases of $4.0 million with a $1.7 million increase in
its debt facilities.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; margin: 0"><b> </b></p>
<p style="font-size: 10pt; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b></b></p>
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<div style="page-break-before: always; margin-top: 6pt"> </div>
<!-- Field: /Page -->
<p style="font-size: 10pt; text-align: justify; margin: 0"><b>Liquidity and Capital Resources</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The following table sets forth certain summarized
historical information with respect to the Company’s Statements of Cash Flows (in thousands):</p>
<p style="font-size: 10pt; text-align: center; text-indent: 9pt; margin: 0; color: Red"> </p>
<p style="font-size: 10pt; text-align: center; text-indent: 9pt; margin: 0; color: Red"><b></b></p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; text-align: center"> </td><td style="font-size: 10pt"> </td>
<td colspan="7" style="font-size: 10pt; text-align: center">Six Months Ended<br> October 31,</td></tr>
<tr style="vertical-align: bottom">
<td> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left">Operating activities:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="width: 74%; font-size: 10pt; text-align: left; text-indent: 10pt">Net income</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">4,132</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">14,779</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Provision for credit losses</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">73,439</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">59,247</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Losses on claims for payment protection plan</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">6,095</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">4,764</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Depreciation and amortization</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">2,048</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1,847</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Stock based compensation</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">949</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">412</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Finance receivable originations</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(223,266</td><td style="font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(222,024</td><td style="font-size: 10pt; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Finance receivable collections</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">117,593</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">111,000</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Inventory</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">23,068</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">18,937</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Accounts payable and accrued liabilities</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">775</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">3,362</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Deferred payment protection plan revenue</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">409</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1,143</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Deferred service contract revenue</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">281</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">4,401</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Income taxes, net</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">586</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1,064</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Deferred income taxes</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(1,119</td><td style="font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">2,402</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Accrued interest on finance receivables</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">303</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">3</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; text-indent: 10pt">Other</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">350</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">(784</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; padding-bottom: 1pt; text-indent: 20pt">Total</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">5,643</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">553</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left">Investing activities:</td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td><td> </td>
<td style="text-align: left"> </td><td style="text-align: right"> </td><td style="text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Purchase of property and equipment</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(2,922</td><td style="font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(1,863</td><td style="font-size: 10pt; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; text-indent: 10pt">Proceeds from sale of property and equipment</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">-</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">20</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; padding-bottom: 1pt; text-indent: 20pt">Total</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">(2,922</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">(1,843</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left">Financing activities:</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right"> </td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Debt facilities, net</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">1,739</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">9,465</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Change in cash overdrafts</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(360</td><td style="font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(77</td><td style="font-size: 10pt; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Purchase of common stock</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(3,989</td><td style="font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(10,277</td><td style="font-size: 10pt; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt">Dividend payments</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(20</td><td style="font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">(20</td><td style="font-size: 10pt; text-align: left">)</td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; text-indent: 10pt; padding-bottom: 1pt">Exercise of stock options and warrants, including tax benefits and issuance of common stock</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="font-size: 10pt; text-align: left; border-bottom: Black 1pt solid"> </td><td style="font-size: 10pt; text-align: right; border-bottom: Black 1pt solid">505</td><td style="font-size: 10pt; text-align: left; border-bottom: Black 1pt solid"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="font-size: 10pt; text-align: left; border-bottom: Black 1pt solid"> </td><td style="font-size: 10pt; text-align: right; border-bottom: Black 1pt solid">2,167</td><td style="font-size: 10pt; text-align: left; border-bottom: Black 1pt solid"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; padding-bottom: 1pt; text-indent: 20pt">Total</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">(2,125</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">1,258</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; text-align: left; padding-bottom: 2.25pt; text-indent: 20pt">(Decrease) increase in Cash</td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">596</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 2.25pt"> </td>
<td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">(32</td><td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">)</td></tr>
</table>
<p style="font-size: 10pt; text-align: center; text-indent: 9pt; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: center; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The primary drivers of operating profits and cash
flows include (i) top line sales (ii) interest rates on finance receivables, (iii) gross margin percentages on vehicle sales, and
(iv) credit losses, a significant portion of which relates to the collection of principal on finance receivables. The Company generates
cash flow from income from operations. Historically, most or all of this cash is used to fund finance receivables growth,
capital expenditures and common stock repurchases. To the extent finance receivables growth, capital expenditures and
common stock repurchases exceed income from operations generally the Company increases its borrowings under its revolving credit
facilities. The majority of the Company’s growth has been self-funded.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Cash flows from operations for the six months ended
October 31, 2015 compared to the same period in the prior fiscal year increased primarily as a result of (i) a higher non-cash
charge for credit losses and (ii) higher finance receivable collections, partially offset by (iii) lower net income, and (iv) an
increase in finance receivable originations. Finance receivables, net, increased by $3.1 million from April 30, 2015 to October
31, 2015.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The purchase price the Company pays for a vehicle
has a significant effect on liquidity and capital resources. Because the Company bases its selling price on the purchase cost for
the vehicle, increases in purchase costs result in increased selling prices. As the selling price increases, it becomes more difficult
to keep the gross margin percentage and contract term in line with historical results because the Company’s customers have
limited incomes and their car payments must remain affordable within their individual budgets. Several external factors can negatively
affect the purchase cost of vehicles. Decreases in the overall volume of new car sales, particularly domestic brands, lead to decreased
supply in the used car market. Also, the expansion of the customer base due in part to constrictions in consumer credit, as well
as general economic conditions, can increase overall demand for the types of vehicles the Company purchases for resale as used
vehicles become more attractive than new vehicles in times of economic instability. A negative shift in used vehicle supply, combined
with strong demand, results in increased used vehicle prices and thus higher purchase costs for the Company.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"></p>
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<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">New vehicle sales decreased dramatically beginning
with the economic recession of 2008. While sales levels for new vehicles have risen steadily since 2009, new vehicle sales volumes
are just now back to pre-recession levels. In addition, the challenging macro-economic environment, together with the constriction
in consumer credit starting in 2008, contributed to increased demand for the types of vehicles the Company purchases and a resulting
increase in used car prices. These negative macro-economic conditions have continued to affect our customers in the years since
the recession and, in turn, have helped keep demand high for the types of vehicles we purchase. This increased demand, coupled
with the depressed levels of new vehicle sales in recent years, negatively impacted both the quality and quantity of the used vehicle
supply available to the Company. Management expects the tight supply of vehicles and resulting pressure for increases in vehicle
purchase costs to continue, although some relief is expected resulting from the continuing steady increases in new car sales levels.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company has devoted significant efforts to
improving its purchasing processes to ensure adequate supply at appropriate prices, including expanding its purchasing territories
to larger cities in close proximity to its dealerships and increasing its efforts to purchase vehicles from individuals at the
dealership level as well as via the internet. The Company has also increased the level of accountability for its purchasing agents
including the establishment of sourcing and pricing guidelines. Even with these efforts, the Company expects gross margin percentages
to remain under pressure over the near term. </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company believes that the amount of credit
available for the sub-prime auto finance industry has increased in recent years and management expects the availability of consumer
credit within the automotive industry to be higher over the near term when compared to historical levels. This is expected to
contribute to continued strong overall demand for most, if not all, of the vehicles the Company purchases for resale. Increased
competition resulting from availability of funding to the sub-prime auto industry has contributed to lower down payments and longer
terms, which have had a negative effect on collection percentages, liquidity and credit losses when compared to prior periods.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Macro-economic factors can have an effect on credit
losses and resulting liquidity. General inflation, particularly within staple items such as groceries, as well as overall unemployment
levels can have a significant effect on collection results and ultimately credit losses. The Company has made improvements to its
business processes within the last few years to strengthen controls and provide stronger infrastructure to support its collections
efforts. The Company anticipates that credit losses in the near term will be higher than historical ranges due to significant continued
macro-economic challenges for the Company’s customer base as well as increased competitive pressures. Management continues
to focus on improved execution at the dealership level, specifically as related to working individually with its customers concerning
collection issues.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company has generally leased the majority of
the properties where its dealerships are located. As of October 31, 2015, the Company leased approximately 85% of its dealership
properties. The Company expects to continue to lease the majority of the properties where its dealerships are located.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company’s revolving credit facilities
generally restrict distributions by the Company to its shareholders. The distribution limitations under the Credit Facilities allow
the Company to repurchase the Company’s stock so long as: either (a) the aggregate amount of such repurchases does not exceed
$40 million beginning October 8, 2014 and the sum of borrowing bases combined minus the principal balances of all revolver loans
after giving effect to such repurchases is equal to or greater than 30% of the sum of the borrowing bases, or (b) the aggregate
amount of such repurchases does not exceed 75% of the consolidated net income of the Company measured on a trailing twelve month
basis; provided that immediately before and after giving effect to the stock repurchases, at least 12.5% of the aggregate funds
committed under the credit facilities remain available. Thus, the Company is limited in its ability to pay dividends or make other
distributions to its shareholders without the consent of the Company’s lenders.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">At October 31, 2015, the Company had approximately
$1.4 million of cash on hand and an additional $38.1 million of availability under its revolving credit facilities (see Note F
to the Condensed Consolidated Financial Statements). On a short-term basis, the Company’s principal sources of
liquidity include income from operations and borrowings under its revolving credit facilities. On a longer-term basis,
the Company expects its principal sources of liquidity to consist of income from operations and borrowings under revolving credit
facilities or fixed interest term loans. The Company’s revolving credit facilities mature in October 2017, and
the Company expects that it will be able to renew or refinance its revolving credit facilities on or before the date they mature.
Furthermore, while the Company has no specific plans to issue debt or equity securities, the Company believes, if necessary, it
could raise additional capital through the issuance of such securities.</p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"></p>
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<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company expects to use cash from operations
and borrowings to (i) grow its finance receivables portfolio, (ii) purchase property and equipment of approximately $2.5 million
in the next six months in connection with refurbishing existing dealerships and adding new dealerships, (iii) repurchase shares
of common stock when favorable conditions exist and (iv) reduce debt to the extent excess cash is available.</p>
<p style="font-size: 10pt; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The Company believes it will have adequate liquidity
to continue to grow its revenues and to satisfy its capital needs for the foreseeable future.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; margin: 0"><b>Contractual Payment Obligations</b></p>
<p style="font-size: 10pt; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">There have been no material changes outside of the
ordinary course of business in the Company’s contractual payment obligations from those reported at April 30, 2015 in the
Company’s Annual Report on Form 10-K.</p>
<p style="font-size: 10pt; margin: 0"><b> </b></p>
<p style="font-size: 10pt; margin: 0"><b>Off-Balance Sheet Arrangements</b></p>
<p style="font-size: 10pt; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company has entered into operating leases for
approximately 85% of its dealerships and office facilities. Generally these leases are for periods of three to five years and usually
contain multiple renewal options. The Company uses leasing arrangements to maintain flexibility in its dealership locations and
to preserve capital. The Company expects to continue to lease the majority of its dealerships and office facilities under arrangements
substantially consistent with the past.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company has a standby letter of credit relating
to an insurance policy totaling $1 million at October 31, 2015.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Other than its operating leases and the letter
of credit, the Company is not a party to any off-balance sheet arrangement that management believes is reasonably likely to have
a current or future effect on the Company’s financial condition, revenues or expenses, results of operations, liquidity,
capital expenditures or capital resources that are material to investors.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0; text-indent: 0.5in"> </p>
<p style="font-size: 10pt; margin: 0"><b>Related Finance Company Contingency </b></p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Car-Mart of Arkansas and Colonial do not meet the
affiliation standard for filing consolidated income tax returns, and as such they file separate federal and state income tax returns.
Car-Mart of Arkansas routinely sells its finance receivables to Colonial at what the Company believes to be fair market value and
is able to take a tax deduction at the time of sale for the difference between the tax basis of the receivables sold and the sales
price. These types of transactions, based upon facts and circumstances, have been permissible under the provisions of the Internal
Revenue Code as described in the Treasury Regulations. For financial accounting purposes, these transactions are eliminated in
consolidation and a deferred income tax liability has been recorded for this timing difference. The sale of finance receivables
from Car-Mart of Arkansas to Colonial provides certain legal protection for the Company’s finance receivables and, principally
because of certain state apportionment characteristics of Colonial, also has the effect of reducing the Company’s overall
effective state income tax rate by approximately 200 basis points. The actual interpretation of the Regulations is in part a facts
and circumstances matter. The Company believes it satisfies the material provisions of the Regulations. Failure to satisfy those
provisions could result in the loss of a tax deduction at the time the receivables are sold and have the effect of increasing the
Company’s overall effective income tax rate as well as the timing of required tax payments.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company’s policy is to recognize accrued
interest related to unrecognized tax benefits in interest expense and penalties in operating expenses. The Company had no accrued
penalties or interest as of October 31, 2015.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; margin: 0"><b>Critical Accounting Policies</b></p>
<p style="font-size: 10pt; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The preparation of financial statements in conformity
with generally accepted accounting principles in the United States of America requires the Company to make estimates and assumptions
in determining the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of
the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results
could differ from the Company’s estimates. The Company believes the most significant estimate made in the preparation
of the accompanying Condensed Consolidated Financial Statements relates to the determination of its allowance for credit losses,
which is discussed below. The Company’s accounting policies are discussed in Note B to the Condensed Consolidated
Financial Statements.</p>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"></p>
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<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company maintains an allowance for credit losses
on an aggregate basis at a level it considers sufficient to cover estimated losses inherent in the portfolio at the balance sheet
date in the collection of its finance receivables currently outstanding. At October 31, 2015, the weighted average total
contract term was 30.6 months with 22.1 months remaining. The reserve amount in the allowance for credit losses at October 31,
2015, $100.4 million, was 25% of the principal balance in finance receivables of $427.7 million, less unearned payment protection
plan revenue of $16.1 million and unearned service contract revenue of $9.9 million. During the second quarter of fiscal 2016,
the Company increased the credit loss reserve from 23.8% to 25% due to continued high levels of credit losses.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The estimated reserve amount is the Company’s
anticipated future net charge-offs for losses incurred through the balance sheet date. The allowance takes into account historical
credit loss experience (both timing and severity of losses), with consideration given to recent credit loss trends and changes
in contract characteristics (i.e., average amount financed, months outstanding at loss date, term and age of portfolio), delinquency
levels, collateral values, economic conditions and underwriting and collection practices. The allowance for credit losses is reviewed
at least quarterly by management with any changes reflected in current operations. The calculation of the allowance
for credit losses uses the following primary factors:</p>
<p style="font-size: 10pt; margin: 0"> </p>
<table cellpadding="0" cellspacing="0" style="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><tr style="vertical-align: top; text-align: justify">
<td style="width: 55pt; text-align: right"><font style="font: 10pt Symbol">·</font></td><td style="width: 5pt"></td><td style="text-align: justify"><font style="font-size: 10pt">The number of units repossessed or charged-off as a
percentage of total units financed over specific historical periods of time from one year to five years.</font></td>
</tr></table>
<p style="font-size: 10pt; margin: 0"> </p>
<table cellpadding="0" cellspacing="0" style="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><tr style="vertical-align: top; text-align: justify">
<td style="width: 55pt; text-align: right"><font style="font: 10pt Symbol">·</font></td><td style="width: 5pt"></td><td style="text-align: justify"><font style="font-size: 10pt">The average net repossession and charge-off loss per
unit during the last eighteen months segregated by the number of months since the contract origination date and adjusted for the
expected future average net charge-off loss per unit. About 50% of the charge-offs that will ultimately occur in the
portfolio are expected to occur within 10-11 months following the balance sheet date. The average age of an account
at charge-off date is 11.6 months.</font></td>
</tr></table>
<p style="font-size: 10pt; text-align: center; margin: 0; text-indent: 0.5in"> </p>
<table cellpadding="0" cellspacing="0" style="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><tr style="vertical-align: top; text-align: justify">
<td style="width: 55pt; text-align: right"><font style="font: 10pt Symbol">·</font></td><td style="width: 5pt"></td><td style="text-align: justify"><font style="font-size: 10pt">The timing of repossession and charge-off losses relative
to the date of sale (i.e., how long it takes for a repossession or charge-off to occur) for repossessions and charge-offs occurring
during the last eighteen months.</font></td>
</tr></table>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">A point estimate is produced by this analysis which
is then supplemented by any positive or negative subjective factors to arrive at an overall reserve amount that management considers
to be a reasonable estimate of losses inherent in the portfolio at the balance sheet date that will be realized via actual charge-offs
in the future. Although it is at least reasonably possible that events or circumstances could occur in the future that are not
presently foreseen which could cause actual credit losses to be materially different from the recorded allowance for credit losses,
the Company believes that it has given appropriate consideration to all relevant factors and has made reasonable assumptions in
determining the allowance for credit losses. While challenging economic conditions can negatively impact credit losses, the effectiveness
of the execution of internal policies and procedures within the collections area and the competitive environment on the funding
side have historically had a more significant effect on collection results than macro-economic issues. A 1% change, as a percentage
of finance receivables, in the allowance for credit losses would equate to an approximate pre-tax change of $4.0 million.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b>Recent Accounting Pronouncements </b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Occasionally, new accounting pronouncements are
issued by the Financial Accounting Standards Board (“FASB”) or other standard setting bodies which the Company adopts
as of the specified effective date. Unless otherwise discussed, the Company believes the impact of recently issued standards which
are not yet effective will not have a material impact on its consolidated financial statements upon adoption.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"><i>Revenue Recognition</i>. In May 2014, the FASB
issued ASU 2014-09, <i>Revenue from Contracts with Customers</i> (Topic 606), which supersedes existing revenue recognition guidance.
The new guidance in ASU 2014-09 is based on the principle that revenue is recognized to depict the transfer of goods or services
to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods
or services. ASU 2014-09 also requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash
flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs
incurred to obtain or fulfill a contract. ASU 2014-09 is effective for annual and interim periods beginning after December 15,
2016, using one of two retrospective application methods. The Company is currently evaluating the potential effects of the adoption
of this update on the consolidated financial statements.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"><i>Debt Issuance Costs</i>. In April 2015,
the FASB issued ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs, which amends the current presentation of debt
issuance costs in the financial statements. ASU 2015-03 requires that debt issuance costs related to a recognized debt liability
be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts,
instead of as an asset. The amendments are to be applied retrospectively and are effective for interim and annual periods
beginning after December 15, 2015. The adoption of the new guidance is not expected to have a material impact on the Company’s
consolidated financial statements.</p>
<p style="font-size: 10pt; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b></b></p>
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<p style="font-size: 10pt; text-align: justify; margin: 0"><b>Seasonality</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 12pt">The Company’s third fiscal quarter
(November through January) was historically the slowest period for vehicle sales. Conversely, the Company’s first and fourth
fiscal quarters (May through July and February through April) were historically the busiest times for vehicle sales. Therefore,
the Company generally realized a higher proportion of its revenue and operating profit during the first and fourth fiscal quarters.
However, during recent fiscal years, tax refund anticipation sales have begun in early November and continued through January (the
Company’s third fiscal quarter). The success of the tax refund anticipation sales effort has led to higher sales levels during
the third fiscal quarters, although a shift in the timing of actual tax refund dollars in the Company’s markets shifted some
sales and collections back to the fourth quarter in each of the last three fiscal years. The Company expects the trend of tax refund
anticipation sales in the third quarter to continue in future years, with some additional sales and collections occurring in the
fourth quarter based on the timing of actual tax refund payments. If conditions arise that impair vehicle sales during the first,
third or fourth fiscal quarters, the adverse effect on the Company’s revenues and operating results for the year could be
disproportionately large.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b>Item 3. Quantitative and Qualitative Disclosures about Market Risk</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company is exposed to market risk on its financial
instruments from changes in interest rates. In particular, the Company has historically had exposure to changes in the
federal primary credit rate and has exposure to changes in the prime interest rate of its lender. The Company does not
use financial instruments for trading purposes but has in the past entered into an interest rate swap agreement to manage interest
rate risk.</p>
<p style="font-size: 10pt; text-indent: 0.5in; margin: 0; background-color: white"><b><i> </i></b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0; background-color: white"><b><i>Interest rate risk.
</i></b> The Company’s exposure to changes in interest rates relates primarily to its debt obligations. The Company
is exposed to changes in interest rates as a result of its revolving credit facilities, and the interest rates charged to the Company
under its credit facilities fluctuate based on its primary lender’s base rate of interest. The Company had total indebtedness
of $104.4 million outstanding at October 31, 2015. The impact of a 1% increase in interest rates on this amount of debt would result
in increased annual interest expense of approximately $1 million and a corresponding decrease in net income before income tax.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0; background-color: white"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company’s earnings are impacted by its
net interest income, which is the difference between the income earned on interest-bearing assets and the interest paid on interest-bearing
notes payable. The Company’s finance receivables typically bear interest at a fixed rate of 15%, while its revolving credit
facilities contain variable interest rates that fluctuate with market interest rates. Prior to June 2009, interest rates charged
on finance receivables originated in the State of Arkansas were limited to the federal primary credit rate plus 5%. Typically,
the Company had charged interest on its Arkansas contracts at or near the maximum rate allowed by law. Thus, while the interest
rates charged on the Company’s contracts do not fluctuate once established, new contracts originated in Arkansas were set
at a spread above the federal primary credit rate which does fluctuate. Effective June 26, 2009, the Company began charging 12%
on contracts originated in Arkansas. This was due to the passage by the U.S. Congress of the Supplemental Appropriations Act of
2009 which was signed into law on June 24, 2009. Within this legislation was a provision that allowed the Company to charge up
to 17% on sales financed to customers in Arkansas, which expired via a sunset clause on December 31, 2010. On November 2, 2010,
voters in Arkansas approved a state constitutional amendment to allow up to 17% interest for non-bank loans and contracts in the
state effectively making the Federal legislation permanent. Subsequently, an appeal challenging the constitutionality of the amendment
was filed with the Arkansas Supreme Court. In June 2011, the Arkansas Supreme Court upheld the amendment. In mid-July 2011, the
Company began charging a fixed 15% interest rate on new contracts for all dealerships in all states in which the Company operates.
At October 31, 2015, approximately 33% of the Company’s finance receivables were originated in Arkansas.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0; background-color: white"><b>Item 4. Controls and Procedures</b></p>
<p style="font-size: 10pt; margin: 0; text-indent: 0.5in"> </p>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 9pt"></td><td style="width: 27pt">a)</td><td style="text-align: justify">Evaluation of Disclosure Controls and Procedures</td></tr></table>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Based on management’s evaluation (with the
participation of the Company’s Chief Executive Officer and Chief Financial Officer), as of October 31, 2015, the Company’s
Chief Executive Officer and Chief Financial Officer have concluded that the Company’s disclosure controls and procedures
(as defined in Rules 13a-15(e) and 15d-15(e) under the Securities Exchange Act of 1934, as amended (the “Exchange Act”)),
are effective to provide reasonable assurance that information required to be disclosed by the Company in the reports it files
or submits under the Exchange Act is recorded, processed, summarized and reported within the time periods specified in the SEC
rules and forms, and that such information is accumulated and communicated to management, including the Company’s Chief Executive
Officer (principal executive officer) and Chief Financial Officer (principal financial officer), to allow timely decisions regarding
required disclosure.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"></p>
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<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 9pt"></td><td style="width: 27pt">b)</td><td style="text-align: justify">Changes in Internal Control Over Financial Reporting</td></tr></table>
<p style="font-size: 10pt; text-align: justify; text-indent: -10.1pt; margin: 0 0 0 10.1pt"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">There were no changes in the Company’s internal
control over financial reporting (as defined in Rules 13a-15(f) and 15d-15(f) under the Exchange Act) that occurred during
the Company’s last fiscal quarter that have materially affected, or are reasonably likely to materially affect, the Company’s
internal control over financial reporting.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0 0 0 22.5pt"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: center; margin: 0"><b>PART II</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b>Item 1. Legal Proceedings</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">In the ordinary course of business, the Company
has become a defendant in various types of legal proceedings. While the outcome of these proceedings cannot be predicted
with certainty, the Company does not expect the final outcome of any of these proceedings, individually or in the aggregate, to
have a material adverse effect on the Company’s financial position, results of operations or cash flows.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b>Item 1A. Risk Factors</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">There have been no material changes to the Company’s
risk factors as previously disclosed in Item 1A to Part 1 of the Company’s Form 10-K for the fiscal year ended April 30,
2015.</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; margin: 0"><b>Item 2. Unregistered Sales of Equity Securities and Use of Proceeds</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company is authorized to repurchase up to one
million shares of its common stock under the common stock repurchase program amended and approved by the Board of Directors on
November 19, 2014. The following table sets forth information with respect to purchases made by or on behalf of the Company of
shares of the Company’s common stock during the periods indicated:</p>
<p style="font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%">
<tr style="vertical-align: bottom">
<td colspan="17" style="font-size: 10pt; text-align: center; padding-bottom: 1pt"><u>Issuer Purchases of Equity Securities</u></td></tr>
<tr style="vertical-align: bottom">
<td style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">Period</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">Total <br>
Number of <br>
Shares <br>
Purchased</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">Average <br>
Price Paid <br>
per Share</td><td style="font-size: 10pt; font-weight: normal; font-style: normal; padding-bottom: 1pt"> </td>
<td colspan="3" nowrap="" style="font-size: 10pt; font-weight: normal; font-style: normal; text-align: center; border-bottom: Black 1pt solid"><p style="margin-top: 0; margin-bottom: 0">Total Number of</p>
<p style="margin-top: 0; margin-bottom: 0">Shares Purchased <br> as Part of Publicly</p>
<p style="margin-top: 0; margin-bottom: 0">Announced Plans <br> or Programs<font style="font-size: 10pt; font-weight: normal; font-style: normal"><sup>(1)</sup></font></p></td><td style="font-size: 10pt; font-weight: normal; font-style: normal; padding-bottom: 1pt"> </td>
<td colspan="3" nowrap="" style="font-size: 10pt; font-weight: normal; font-style: normal; text-align: center; border-bottom: Black 1pt solid"><p style="margin-top: 0; margin-bottom: 0">Maximum Number</p>
<p style="margin-top: 0; margin-bottom: 0">of Shares that <br> May Yet Be</p>
<p style="margin-top: 0; margin-bottom: 0">Purchased Under <br> the Plans or</p>
<p style="margin-top: 0; margin-bottom: 0">Programs<font style="font-size: 10pt; font-weight: normal; font-style: normal"><sup>(1)</sup></font></p></td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="width: 48%; font-size: 10pt">August 1, 2015 through August 31, 2015</td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">29,120</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left">$</td><td style="width: 10%; font-size: 10pt; text-align: right">40.85</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">29,120</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 1%; font-size: 10pt"> </td>
<td style="width: 1%; font-size: 10pt; text-align: left"> </td><td style="width: 10%; font-size: 10pt; text-align: right">746,913</td><td style="width: 1%; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt">September 1, 2015 through September 30, 2015</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">12,938</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">33.64</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">12,938</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">733,975</td><td style="font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: rgb(204,238,255)">
<td style="font-size: 10pt; padding-bottom: 1pt">October 1, 2015 through October 31, 2015</td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">1,600</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left">$</td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right">33.02</td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">1,600</td><td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; padding-bottom: 1pt"> </td>
<td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: right">732,375</td><td style="padding-bottom: 1pt; font-size: 10pt; text-align: left"> </td></tr>
<tr style="vertical-align: bottom; background-color: White">
<td style="font-size: 10pt; text-indent: 20pt">Total</td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">43,658</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left">$</td><td style="font-size: 10pt; text-align: right">38.43</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">43,658</td><td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt"> </td>
<td style="font-size: 10pt; text-align: left"> </td><td style="font-size: 10pt; text-align: right">732,375</td><td style="font-size: 10pt; text-align: left"> </td></tr>
</table>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b> </b></p>
<p style="font-size: 10pt; text-align: center; margin: 0; color: Red"><b></b></p>
<table cellpadding="0" cellspacing="0" width="100%" style="font-size: 10pt; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top">
<td style="width: 0.25in"></td><td style="width: 0.25in">(1)</td><td>The above described stock repurchase program has no expiration date.</td></tr></table>
<p style="font-size: 10pt; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b>Item 3. Defaults Upon Senior Securities</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-indent: 0.5in; margin: 0">Not applicable.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b>Item 4. Mine Safety Disclosure</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-indent: 0.5in; margin: 0">Not applicable.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b>Item 5. Other Information</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b> </b></p>
<p style="font-size: 10pt; text-indent: 0.5in; margin: 0">Not applicable.</p>
<p style="font-size: 10pt; margin: 0; color: #1F497D"><b> </b></p>
<p style="font-size: 10pt; margin: 0; color: #1F497D"><b> </b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"><b></b></p>
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<div style="page-break-before: always; margin-top: 6pt"> </div>
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<p style="font-size: 10pt; text-align: justify; margin: 0"><b>Item 6. Exhibits</b></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse; font-size: 10pt">
<tr>
<td style="width: 10%; layout-grid-mode: line; text-align: center"><font style="font-size: 10pt"><b>Exhibit</b></font><br>
<font style="font-size: 10pt"><b><u>Number</u></b></font></td>
<td style="vertical-align: bottom; width: 2%; layout-grid-mode: line; text-align: center"> </td>
<td style="vertical-align: bottom; width: 88%; layout-grid-mode: line; text-decoration: underline; text-align: center"><font style="font-size: 10pt"><b><u>Description of Exhibit</u></b></font></td></tr>
</table>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse; font-size: 10pt">
<tr style="vertical-align: top">
<td style="width: 10%; layout-grid-mode: line; text-align: center"><font style="font-size: 10pt">3.1</font></td>
<td style="width: 2%; layout-grid-mode: line"> </td>
<td style="width: 88%; layout-grid-mode: line"><font style="font-size: 10pt">Articles of Incorporation of the Company, as amended. (Incorporated by reference to Exhibits 4.1-4.8 to the Company's Registration Statement on Form S-8 filed with the SEC on November 16, 2005 (File No. 333-129727)).</font></td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"> </td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"> </td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"><font style="font-size: 10pt">3.2</font></td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"><font style="font-size: 10pt">Amended and Restated Bylaws of the Company dated December 4, 2007. (Incorporated by reference to Exhibit 3.2 to the Company’s Quarterly Report on Form 10-Q for the quarter ended October 31, 2007 filed with the SEC on December 7, 2007).</font></td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"> </td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"> </td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"><font style="font-size: 10pt">3.3</font></td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"><font style="font-size: 10pt">Amendment No. 1 to the Amended And Restated Bylaws of the Company (Incorporated by reference to Exhibit 3.1 to the Company’s Report on Form 8-K filed with the SEC on February 19, 2014)</font></td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"> </td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"> </td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"><font style="font-size: 10pt">10.1</font></td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"><font style="font-size: 10pt">Option Agreement for Amended and Restated Stock Option Plan, dated August 5, 2015, between America’s Car-Mart, Inc., a Texas corporation, and William H. Henderson (Incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed with the SEC on August 10, 2015).</font></td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"> </td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"> </td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"><font style="font-size: 10pt">10.2</font></td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"><font style="font-size: 10pt">Option Agreement for Amended and Restated Stock Option Plan, dated August 5, 2015, between America’s Car-Mart, Inc., a Texas corporation, and William H. Henderson (Incorporated by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed with the SEC on August 10, 2015).</font></td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"> </td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"> </td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"><font style="font-size: 10pt">10.3</font></td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"><font style="font-size: 10pt">Option Agreement for Amended and Restated Stock Option Plan, dated August 5, 2015, between America’s Car-Mart, Inc., a Texas corporation, and Jeffrey A. Williams (Incorporated by reference to Exhibit 10.3 to the Company’s Current Report on Form 8-K filed with the SEC on August 10, 2015).</font></td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"> </td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"> </td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"><font style="font-size: 10pt">10.4</font></td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"><font style="font-size: 10pt">Option Agreement for Amended and Restated Stock Option Plan, dated August 5, 2015, between America’s Car-Mart, Inc., a Texas corporation, and Jeffrey A. Williams (Incorporated by reference to Exhibit 10.4 to the Company’s Current Report on Form 8-K filed with the SEC on August 10, 2015).</font></td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"> </td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"> </td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"><font style="font-size: 10pt">31.1</font></td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"><font style="font-size: 10pt">Certification of Chief Executive Officer pursuant to Rule 13a-14(a) of the Securities Exchange Act of 1934, as amended (the “Exchange Act”).</font></td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"> </td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"> </td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"><font style="font-size: 10pt">31.2</font></td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"><font style="font-size: 10pt">Certification of Chief Financial Officer pursuant to Rule 13a-14(a) of the Exchange Act.</font></td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"> </td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"> </td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"><font style="font-size: 10pt">32.1</font></td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"><font style="font-size: 10pt">Certification of the Chief Executive Officer and Chief Financial Officer pursuant to Rule 13a-14(b) of the Exchange Act and 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.</font></td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"> </td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"> </td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"><font style="font-size: 10pt">101.INS</font></td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"><font style="font-size: 10pt">XBRL Instance Document</font></td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"> </td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"> </td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"><font style="font-size: 10pt">101.SCH</font></td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"><font style="font-size: 10pt">XBRL Taxonomy Extension Schema Document</font></td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"> </td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"> </td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"><font style="font-size: 10pt">101.CAL</font></td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"><font style="font-size: 10pt">XBRL Taxonomy Extension Calculation Linkbase Document</font></td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"> </td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"> </td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"><font style="font-size: 10pt">101.DEF</font></td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"><font style="font-size: 10pt">XBRL Taxonomy Extension Definition Linkbase Document</font></td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"> </td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"> </td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"><font style="font-size: 10pt">101.LAB</font></td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"><font style="font-size: 10pt">XBRL Taxonomy Extension Labels Linkbase Document</font></td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"> </td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"> </td></tr>
<tr style="vertical-align: top">
<td style="layout-grid-mode: line; text-align: center"><font style="font-size: 10pt">101.PRE</font></td>
<td style="layout-grid-mode: line"> </td>
<td style="layout-grid-mode: line"><font style="font-size: 10pt">XBRL Taxonomy Extension Presentation Linkbase Document</font></td></tr>
</table>
<p style="font-size: 10pt; text-align: justify; margin: 0 0 0 0.5in"> </p>
<p style="font-size: 10pt; text-align: center; margin: 0"> </p>
<p style="font-size: 10pt; text-align: center; margin: 0"></p>
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<div style="margin-top: 12pt; margin-bottom: 6pt; border-bottom: Black 4pt solid"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 100%; font-size: 10pt"><tr style="vertical-align: top; text-align: left"><td style="width: 100%; text-align: center"><!-- Field: Sequence; Type: Arabic; Name: PageNo -->31<!-- Field: /Sequence --></td></tr></table></div>
<div style="page-break-before: always; margin-top: 6pt"> </div>
<!-- Field: /Page -->
<p style="font-size: 10pt; text-align: center; margin: 0">SIGNATURES</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0">Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.</p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"></p>
<table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<tr style="vertical-align: top; text-align: left">
<td> </td>
<td> </td>
<td colspan="2"><b>America’s Car-Mart, Inc.</b></td></tr>
<tr style="vertical-align: top; text-align: left">
<td> </td>
<td> </td>
<td colspan="2"> </td></tr>
<tr style="vertical-align: top; text-align: left">
<td> </td>
<td> </td>
<td colspan="2"> </td></tr>
<tr style="vertical-align: top; text-align: left">
<td style="width: 33%"> </td>
<td style="width: 29%"> </td>
<td style="width: 6%">By:</td>
<td style="width: 32%; border-bottom: Black 1pt solid">/s/ William H. Henderson</td></tr>
<tr style="vertical-align: top; text-align: left">
<td> </td>
<td> </td>
<td> </td>
<td>William H. Henderson</td></tr>
<tr style="vertical-align: top; text-align: left">
<td> </td>
<td> </td>
<td> </td>
<td><i>Chief Executive Officer</i></td></tr>
<tr style="vertical-align: top; text-align: left">
<td> </td>
<td> </td>
<td> </td>
<td><i>(Principal Executive Officer)</i></td></tr>
<tr style="vertical-align: top; text-align: left">
<td> </td>
<td> </td>
<td> </td>
<td> </td></tr>
<tr style="vertical-align: top; text-align: left">
<td> </td>
<td> </td>
<td> </td>
<td> </td></tr>
<tr style="vertical-align: top; text-align: left">
<td> </td>
<td> </td>
<td>By:</td>
<td style="border-bottom: Black 1pt solid">/s/ Jeffrey A. Williams</td></tr>
<tr style="vertical-align: top; text-align: left">
<td> </td>
<td> </td>
<td> </td>
<td>Jeffrey A. Williams</td></tr>
<tr style="vertical-align: top; text-align: left">
<td> </td>
<td> </td>
<td> </td>
<td><i>Chief Financial Officer and Secretary</i></td></tr>
<tr style="vertical-align: top; text-align: left">
<td> </td>
<td> </td>
<td> </td>
<td><i>(Principal Financial and Accounting Officer)</i></td></tr>
<tr style="vertical-align: top; text-align: left">
<td> </td>
<td> </td>
<td colspan="2"> </td></tr>
<tr style="vertical-align: top; text-align: left">
<td>Dated: December 7, 2015</td>
<td> </td>
<td colspan="2"> </td></tr>
</table>
<p style="font-size: 10pt; text-align: justify; margin: 0"></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 3.5in; margin: 0"></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 4in; margin: 0"></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 4in; margin: 0"><i></i></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 4in; margin: 0"><i></i></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; text-indent: 3.5in; margin: 0"></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 4in; margin: 0"></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 4in; margin: 0"></p>
<p style="font-size: 10pt; text-align: justify; text-indent: 4in; margin: 0"><i></i></p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"> </p>
<p style="font-size: 10pt; text-align: justify; margin: 0"></p>
<p style="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><b></b>32</p>
<p style="font-size: 10pt; text-align: center; margin-top: 0; margin-bottom: 0"><b></b></p>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>2
<FILENAME>exh_311.htm
<DESCRIPTION>EXHIBIT 31.1
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">
<P STYLE="margin: 0"></P>
<P STYLE="font-size: 10pt; text-align: right; margin-top: 0; margin-bottom: 0"><B>Exhibit 31.1</B></P>
<P STYLE="font-size: 10pt; text-align: center; margin: 0; text-indent: 0.5in"> </P>
<P STYLE="font-size: 10pt; text-align: center; margin: 0"><B>Certification</B></P>
<P STYLE="font-size: 10pt; text-align: center; margin: 0; text-indent: 0.5in"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 35pt; text-align: right"></TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">I, William H. Henderson, certify that:</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 35pt; text-align: left">1.</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">I have reviewed this quarterly report on Form 10-Q of America’s Car-Mart, Inc.
for the period ended October 31, 2015;</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.5in; margin: 0 0 0 0.5in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 35pt; text-align: left">2.</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">Based on my knowledge, this report does not contain any untrue statement of a material
fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements
were made, not misleading with respect to the period covered by this report;</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.5in; margin: 0 0 0 0.5in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 35pt; text-align: left">3.</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">Based on my knowledge, the financial statements, and other financial information included
in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant
as of, and for, the periods presented in this report;</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.5in; margin: 0 0 0 0.5in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 35pt; text-align: left">4.</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">The registrant’s other certifying officer(s) and I are responsible for establishing
and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal
control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.5in; margin: 0 0 0 0.5in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 55pt; text-align: right">(a)</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">Designed such disclosure controls and procedures, or caused such disclosure controls
and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including
its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this
report is being prepared;</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.75in; margin: 0 0 0 0.75in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 55pt; text-align: right">(b)</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">Designed such internal control over financial reporting, or caused such internal control
over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial
reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.25in; margin: 0 0 0 0.75in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 55pt; text-align: right">(c)</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">Evaluated the effectiveness of the registrant’s disclosure controls and procedures
and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end
of the period covered by this report based on such evaluation; and</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.25in; margin: 0 0 0 0.75in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 55pt; text-align: right">(d)</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">Disclosed in this report any change in the registrant’s internal control over
financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal
quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s
internal control over financial reporting; and</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.75in; margin: 0 0 0 0.75in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 35pt; text-align: left">5.</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">The registrant’s other certifying officer(s) and I have disclosed, based on
our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee
of the registrant’s board of directors (or persons performing the equivalent functions):</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.5in; margin: 0 0 0 0.5in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 55pt; text-align: right">(a)</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">All significant deficiencies and material weaknesses in the design or operation of
internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record,
process, summarize and report financial information; and</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.75in; margin: 0 0 0 0.75in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 55pt; text-align: right">(b)</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">Any fraud, whether or not material, that involves management or other employees who
have a significant role in the registrant’s internal control over financial reporting.</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.75in; margin: 0 0 0 0.75in"> </P>
<P STYLE="font-size: 10pt; text-indent: -0.75in; margin: 0 0 0 0.75in"> </P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
<TR>
<TD STYLE="vertical-align: top; width: 48%; layout-grid-mode: line"><FONT STYLE="font-size: 10pt">December 7, 2015</FONT></TD>
<TD STYLE="vertical-align: bottom; width: 5%; layout-grid-mode: line"> </TD>
<TD STYLE="vertical-align: top; width: 38%; border-bottom: Black 1pt solid; layout-grid-mode: line"><FONT STYLE="font-size: 10pt">/s/ William H. Henderson</FONT></TD>
<TD STYLE="vertical-align: top; width: 9%; layout-grid-mode: line"> </TD></TR>
<TR>
<TD STYLE="vertical-align: top; layout-grid-mode: line"> </TD>
<TD STYLE="vertical-align: bottom; layout-grid-mode: line"> </TD>
<TD COLSPAN="2" STYLE="vertical-align: top; layout-grid-mode: line"><FONT STYLE="font-size: 10pt">William H. Henderson</FONT></TD></TR>
<TR>
<TD STYLE="vertical-align: top; layout-grid-mode: line"> </TD>
<TD STYLE="vertical-align: bottom; layout-grid-mode: line"> </TD>
<TD COLSPAN="2" STYLE="vertical-align: top; layout-grid-mode: line"><FONT STYLE="font-size: 10pt">Chief Executive Officer</FONT></TD></TR>
</TABLE>
<P STYLE="font-size: 10pt; text-align: right; margin: 0"><B> </B></P>
<P STYLE="margin: 0"></P>
</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>3
<FILENAME>exh_312.htm
<DESCRIPTION>EXHIBIT 31.2
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">
<P STYLE="margin: 0"></P>
<P STYLE="font-size: 10pt; text-align: right; margin: 0"><B>Exhibit 31.2</B></P>
<P STYLE="font-size: 10pt; text-align: right; margin: 0; text-indent: 0.5in"> </P>
<P STYLE="font-size: 10pt; text-align: center; margin: 0"><B>Certification</B></P>
<P STYLE="font-size: 10pt; text-align: center; margin: 0; text-indent: 0.5in"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 35pt; text-align: right"></TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">I, Jeffrey A. Williams, certify that:</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: 0.5in; margin: 0"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 35pt; text-align: left">1.</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">I have reviewed this quarterly report on Form 10-Q of America’s Car-Mart, Inc.
for the period ended October 31, 2015;</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.5in; margin: 0 0 0 0.5in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 35pt; text-align: left">2.</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">Based on my knowledge, this report does not contain any untrue statement of a material
fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements
were made, not misleading with respect to the period covered by this report;</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.5in; margin: 0 0 0 0.5in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 35pt; text-align: left">3.</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">Based on my knowledge, the financial statements, and other financial information included
in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant
as of, and for, the periods presented in this report;</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.5in; margin: 0 0 0 0.5in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 35pt; text-align: left">4.</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">The registrant’s other certifying officer(s) and I are responsible for establishing
and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal
control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.5in; margin: 0 0 0 0.5in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 55pt; text-align: right">(a)</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">Designed such disclosure controls and procedures, or caused such disclosure controls
and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including
its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this
report is being prepared;</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.75in; margin: 0 0 0 0.75in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 55pt; text-align: right">(b)</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">Designed such internal control over financial reporting, or caused such internal control
over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial
reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.25in; margin: 0 0 0 0.75in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 55pt; text-align: right">(c)</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">Evaluated the effectiveness of the registrant’s disclosure controls and procedures
and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end
of the period covered by this report based on such evaluation; and</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.25in; margin: 0 0 0 0.75in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 55pt; text-align: right">(d)</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">Disclosed in this report any change in the registrant’s internal control over
financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal
quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s
internal control over financial reporting; and</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.75in; margin: 0 0 0 0.75in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 35pt; text-align: left">5.</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">The registrant’s other certifying officer(s) and I have disclosed, based on
our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee
of the registrant’s board of directors (or persons performing the equivalent functions):</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.5in; margin: 0 0 0 0.5in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 55pt; text-align: right">(a)</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">All significant deficiencies and material weaknesses in the design or operation of
internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record,
process, summarize and report financial information; and</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.75in; margin: 0 0 0 0.75in"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="font-size: 10pt; margin-top: 0pt; margin-bottom: 6pt"><TR STYLE="vertical-align: top; text-align: justify">
<TD STYLE="width: 55pt; text-align: right">(b)</TD><TD STYLE="width: 5pt"></TD><TD STYLE="text-align: justify">Any fraud, whether or not material, that involves management or other employees who
have a significant role in the registrant’s internal control over financial reporting.</TD>
</TR></TABLE>
<P STYLE="font-size: 10pt; text-indent: -0.75in; margin: 0 0 0 0.75in"> </P>
<P STYLE="font-size: 10pt; text-indent: -0.75in; margin: 0 0 0 0.75in"> </P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; border-collapse: collapse; font-size: 10pt">
<TR>
<TD STYLE="vertical-align: top; width: 48%; layout-grid-mode: line"><P STYLE="margin: 0pt 0">December 7, 2015</P>
</TD>
<TD STYLE="vertical-align: bottom; width: 5%; layout-grid-mode: line"> </TD>
<TD STYLE="vertical-align: top; width: 23%; border-bottom: Black 1pt solid; layout-grid-mode: line"><FONT STYLE="font-size: 10pt">/s/ Jeffrey A. Williams</FONT></TD>
<TD STYLE="vertical-align: top; width: 24%; layout-grid-mode: line"> </TD></TR>
<TR>
<TD STYLE="vertical-align: top; layout-grid-mode: line"> </TD>
<TD STYLE="vertical-align: bottom; layout-grid-mode: line"> </TD>
<TD COLSPAN="2" STYLE="vertical-align: top; layout-grid-mode: line"><FONT STYLE="font-size: 10pt">Jeffrey A. Williams</FONT></TD></TR>
<TR>
<TD STYLE="vertical-align: top; layout-grid-mode: line"> </TD>
<TD STYLE="vertical-align: bottom; layout-grid-mode: line"> </TD>
<TD COLSPAN="2" STYLE="vertical-align: top; layout-grid-mode: line"><FONT STYLE="font-size: 10pt">Chief Financial Officer</FONT></TD></TR>
</TABLE>
<P STYLE="font-size: 10pt; text-align: center; margin: 0; text-indent: 0.5in"> </P>
<P STYLE="margin: 0"></P>
</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.1
<SEQUENCE>4
<FILENAME>exh_321.htm
<DESCRIPTION>EXHIBIT 32.1
<TEXT>
<HTML>
<HEAD>
<TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">
<P STYLE="margin: 0"></P>
<P STYLE="font-size: 10pt; text-align: right; margin: 0"><B>Exhibit 32.1</B></P>
<P STYLE="font-size: 10pt; margin: 0"> </P>
<P STYLE="font-size: 10pt; text-align: right; margin: 0"> </P>
<P STYLE="font-size: 10pt; text-align: center; margin: 0">CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350</P>
<P STYLE="font-size: 10pt; text-align: center; margin: 0">AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002</P>
<P STYLE="font-size: 10pt; margin: 0"> </P>
<P STYLE="font-size: 10pt; margin: 0"> </P>
<P STYLE="font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">In connection with the Quarterly Report of America’s
Car-Mart, Inc. (the “Company”) on Form 10-Q for the quarter ended October 31, 2015 filed with the Securities and Exchange
Commission on the date hereof (the “Report”), the undersigned, William H. Henderson, Chief Executive Officer of the
Company, and Jeffrey A. Williams, Chief Financial Officer of the Company, certify in our capacities as officers of the Company,
pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to the best of our
knowledge:</P>
<P STYLE="font-size: 10pt; text-align: justify; margin: 0"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 45pt"></TD><TD STYLE="width: 31.8pt">(1)</TD><TD STYLE="text-align: justify">The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange
Act of 1934, as amended; and</TD></TR></TABLE>
<P STYLE="font-size: 10pt; text-align: justify; margin: 0 0 0 45pt"></P>
<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font-size: 10pt; margin-top: 0; margin-bottom: 0"><TR STYLE="vertical-align: top">
<TD STYLE="width: 45pt"></TD><TD STYLE="width: 31.8pt">(2)</TD><TD STYLE="text-align: justify">The information contained in the Report fairly presents, in all material respects, the financial
condition and results of operations of the Company.</TD></TR></TABLE>
<P STYLE="font-size: 10pt; margin: 0"> </P>
<P STYLE="font-size: 10pt; margin: 0"> </P>
<P STYLE="font-size: 10pt; margin: 0"> </P>
<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
<TD STYLE="width: 6%">By:</TD>
<TD STYLE="width: 30%; border-bottom: Black 1pt solid">/s/ William H. Henderson</TD>
<TD STYLE="width: 64%"> </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
<TD> </TD>
<TD>William H. Henderson</TD>
<TD> </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
<TD> </TD>
<TD>Chief Executive Officer</TD>
<TD> </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
<TD> </TD>
<TD>December 7, 2015</TD>
<TD> </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
<TD> </TD>
<TD> </TD>
<TD> </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
<TD>By:</TD>
<TD STYLE="border-bottom: Black 1pt solid">/s/ Jeffrey A. Williams</TD>
<TD> </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
<TD> </TD>
<TD>Jeffrey A. Williams</TD>
<TD> </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
<TD> </TD>
<TD>Chief Financial Officer and Secretary</TD>
<TD> </TD></TR>
<TR STYLE="vertical-align: top; text-align: left">
<TD> </TD>
<TD>December 7, 2015</TD>
<TD> </TD></TR>
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<DOCUMENT>
<TYPE>EX-101.INS
<SEQUENCE>5
<FILENAME>crmt-20151031.xml
<DESCRIPTION>XBRL INSTANCE FILE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="US-ASCII"?><!--Generated by ThunderDome XBRL - 10:03PM UTC 2015-12-07--><xbrli:xbrl xmlns="http://www.xbrl.org/2003/instance" xmlns:country="http://xbrl.sec.gov/country/2013-01-31" xmlns:crmt="http://www.car-mart.com/20151031" xmlns:currency="http://xbrl.sec.gov/currency/2014-01-31" xmlns:dei="http://xbrl.sec.gov/dei/2014-01-31" xmlns:exch="http://xbrl.sec.gov/exch/2014-01-31" xmlns:invest="http://xbrl.sec.gov/invest/2013-01-31" xmlns:iso4217="http://www.xbrl.org/2003/iso4217" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:naics="http://xbrl.sec.gov/naics/2011-01-31" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:sic="http://xbrl.sec.gov/sic/2011-01-31" xmlns:stpr="http://xbrl.sec.gov/stpr/2011-01-31" xmlns:thunderdome="http://www.RDGFilings.com" xmlns:us-gaap="http://fasb.org/us-gaap/2015-01-31" xmlns:utr="http://www.xbrl.org/2009/utr" xmlns:xbrldi="http://xbrl.org/2006/xbrldi" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xs="http://www.w3.org/2001/XMLSchema-instance" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<link:schemaRef xlink:href="crmt-20151031.xsd" xlink:type="simple"/>
<crmt:AccountsReceivableAllowanceForCreditLossesPercentage contextRef="i_2015-10-31" decimals="INF" id="c2909055" unitRef="xbrli-pure">0.25</crmt:AccountsReceivableAllowanceForCreditLossesPercentage>
<crmt:AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod contextRef="d_2015-05-01_2015-10-31_RangeAxis-MinimumMember" id="c2909045">P1Y</crmt:AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod>
<crmt:AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod contextRef="d_2015-05-01_2015-10-31_RangeAxis-MaximumMember" id="c2909046">P5Y</crmt:AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod>
<crmt:AverageDownpaymentPercentage contextRef="d_2015-05-01_2015-10-31" decimals="3" id="c2908891" unitRef="xbrli-pure">0.065</crmt:AverageDownpaymentPercentage>
<crmt:AverageDownpaymentPercentage contextRef="d_2014-05-01_2014-10-31" decimals="3" id="c2908892" unitRef="xbrli-pure">0.068</crmt:AverageDownpaymentPercentage>
<crmt:AverageOriginatingContractTerm contextRef="d_2015-05-01_2015-10-31" id="c2908893">P2Y132D</crmt:AverageOriginatingContractTerm>
<crmt:AverageOriginatingContractTerm contextRef="d_2014-05-01_2014-10-31" id="c2908894">P2Y102D</crmt:AverageOriginatingContractTerm>
<crmt:CashOverdraftPolicyTextBlock contextRef="d_2015-05-01_2015-10-31" id="c2933180"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Cash Overdraft</div><div style=" font-size: 10pt; margin: 0">&nbsp;</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">As checks are presented for payment from the Company&#x2019;s primary disbursement bank account, monies are automatically drawn against cash collections for the day and, if necessary, are drawn against one of its revolving credit facilities. Any cash overdraft balance principally represents outstanding checks, net of any deposits in transit that as of the balance sheet date had not yet been presented for payment. Any cash overdraft balance is reflected in accrued liabilities on the Company&#x2019;s Condensed Consolidated Balance Sheets.</div></div></div></div></crmt:CashOverdraftPolicyTextBlock>
<crmt:ChangeInFinanceReceivablesNetTableTextBlock contextRef="d_2015-05-01_2015-10-31" id="c-19"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%">Balance at beginning of period</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">324,144</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">293,299</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Finance receivable originations</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">223,266</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">222,024</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Finance receivable collections</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(117,593</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(111,000</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Provision for credit losses</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(73,439</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(59,247</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Losses on claims for payment protection plan</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(6,095</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(4,764</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Inventory acquired in repossession and payment protection plan claims</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(23,054</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(21,272</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Balance at end of period</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">327,229</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">319,040</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> </tr> </table></div></crmt:ChangeInFinanceReceivablesNetTableTextBlock>
<crmt:CollectionsAsPercentageOfAverageFinancingReceivables contextRef="d_2015-05-01_2015-10-31" decimals="INF" id="c2909128" unitRef="xbrli-pure">0.277</crmt:CollectionsAsPercentageOfAverageFinancingReceivables>
<crmt:CollectionsAsPercentageOfAverageFinancingReceivables contextRef="d_2014-05-01_2014-10-31" decimals="INF" id="c2909130" unitRef="xbrli-pure">0.282</crmt:CollectionsAsPercentageOfAverageFinancingReceivables>
<crmt:CommonStockAdditionalCapitalSharesReservedForFutureIssuance contextRef="i_2015-08-05_PlanNameAxis-RestatedOptionPlanMember" decimals="INF" id="c2909202" unitRef="xbrli-shares">300000</crmt:CommonStockAdditionalCapitalSharesReservedForFutureIssuance>
<crmt:ContractTermOfContractsIncludedByCreditFacilitiesAmendment contextRef="d_2013-02-04_2013-02-04_CreditFacilityAxis-RevolvingCreditFacilityMember_RangeAxis-MinimumMember" id="c2909143">P3Y</crmt:ContractTermOfContractsIncludedByCreditFacilitiesAmendment>
<crmt:ContractTermOfContractsIncludedByCreditFacilitiesAmendment contextRef="d_2013-02-04_2013-02-04_CreditFacilityAxis-RevolvingCreditFacilityMember_RangeAxis-MaximumMember" id="c2909144">P3Y180D</crmt:ContractTermOfContractsIncludedByCreditFacilitiesAmendment>
<crmt:DeferredSalesTaxPolicyTextBlock contextRef="d_2015-05-01_2015-10-31" id="c2933181"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Deferred Sales Tax</div><div style=" font-size: 10pt; margin: 0">&nbsp;</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Deferred sales tax represents a sales tax liability of the Company for vehicles sold on an installment basis in the states of Alabama and Texas. Under Alabama and Texas law, for vehicles sold on an installment basis, the related sales tax is due as the payments are collected from the customer, rather than at the time of sale. Deferred sales tax liabilities are reflected in accrued liabilities on the Company&#x2019;s Condensed Consolidated Balance Sheets.</div></div></div></div></crmt:DeferredSalesTaxPolicyTextBlock>
<crmt:DellinqueciesGreaterThan30DaysAsPercentageOfAverageFinanceReceivables contextRef="i_2015-10-31" decimals="INF" id="c2909132" unitRef="xbrli-pure">0.035</crmt:DellinqueciesGreaterThan30DaysAsPercentageOfAverageFinanceReceivables>
<crmt:DellinqueciesGreaterThan30DaysAsPercentageOfAverageFinanceReceivables contextRef="i_2014-10-31" decimals="INF" id="c2909134" unitRef="xbrli-pure">0.044</crmt:DellinqueciesGreaterThan30DaysAsPercentageOfAverageFinanceReceivables>
<crmt:DividendRestrictionsMaximumAggregateAmountOfStockRepurchases contextRef="d_2014-10-08_2014-10-08_CreditFacilityAxis-RevolvingCreditFacilityMember_LongtermDebtTypeAxis-CreditFacilitiesAmendmentNumber5Member" decimals="INF" id="c2909159" unitRef="iso4217-usd">40000000</crmt:DividendRestrictionsMaximumAggregateAmountOfStockRepurchases>
<crmt:DividendRestrictionsMaximumAggregateAmountOfStockRepurchases contextRef="d_2015-05-01_2015-10-31_CreditFacilityAxis-RevolvingCreditFacilityMember" decimals="INF" id="c2909164" unitRef="iso4217-usd">40000000</crmt:DividendRestrictionsMaximumAggregateAmountOfStockRepurchases>
<crmt:DividendRestrictionsPercentageOfSumOfBorrowingBases contextRef="d_2014-10-08_2014-10-08_CreditFacilityAxis-RevolvingCreditFacilityMember_LongtermDebtTypeAxis-CreditFacilitiesAmendmentNumber5Member" decimals="5" id="c2909160" unitRef="xbrli-pure">0.3</crmt:DividendRestrictionsPercentageOfSumOfBorrowingBases>
<crmt:EmployeeServiceSharebasedCompensationNotCurrentlyExpectedToVestAwardsCompensationCostNotYetRecognized contextRef="i_2015-10-31_AwardTypeAxis-PerformanceSharesMember" decimals="INF" id="c2909227" unitRef="iso4217-usd">1200000</crmt:EmployeeServiceSharebasedCompensationNotCurrentlyExpectedToVestAwardsCompensationCostNotYetRecognized>
<crmt:FairValueInputsDiscountRateIntercompanyTransactions contextRef="d_2012-11-01_2012-11-30" decimals="3" id="c2909183" unitRef="xbrli-pure">0.385</crmt:FairValueInputsDiscountRateIntercompanyTransactions>
<crmt:FinanceReceivableCollections contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908835" unitRef="iso4217-usd">117593000</crmt:FinanceReceivableCollections>
<crmt:FinanceReceivableCollections contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908836" unitRef="iso4217-usd">111000000</crmt:FinanceReceivableCollections>
<crmt:FinanceReceivableOriginations contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908833" unitRef="iso4217-usd">223266000</crmt:FinanceReceivableOriginations>
<crmt:FinanceReceivableOriginations contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908834" unitRef="iso4217-usd">222024000</crmt:FinanceReceivableOriginations>
<crmt:FinanceReceivablePrincipalBalance contextRef="i_2015-10-31" decimals="-3" id="c2909056" unitRef="iso4217-usd">427663000</crmt:FinanceReceivablePrincipalBalance>
<crmt:FinanceReceivablePrincipalBalance contextRef="i_2015-04-30" decimals="-3" id="c2908826" unitRef="iso4217-usd">417368000</crmt:FinanceReceivablePrincipalBalance>
<crmt:FinanceReceivablePrincipalBalance contextRef="i_2014-10-31" decimals="-3" id="c2908887" unitRef="iso4217-usd">411500000</crmt:FinanceReceivablePrincipalBalance>
<crmt:FinanceReceivablesCustomerPaymentsDueEitherWeeklyOrBiWeeklyPercentage contextRef="d_2015-05-01_2015-10-31" decimals="INF" id="c2909036" unitRef="xbrli-pure">0.73</crmt:FinanceReceivablesCustomerPaymentsDueEitherWeeklyOrBiWeeklyPercentage>
<crmt:FinanceReceivablesNumberOfLoanClasses contextRef="i_2015-10-31" decimals="INF" id="c2909118" unitRef="xbrli-pure">1</crmt:FinanceReceivablesNumberOfLoanClasses>
<crmt:FinanceReceivablesNumberOfRiskPools contextRef="i_2015-10-31" decimals="INF" id="c2909119" unitRef="xbrli-pure">1</crmt:FinanceReceivablesNumberOfRiskPools>
<crmt:FinancingReceivable30To60DaysPastDuePercentOfPortfolio contextRef="i_2015-10-31" decimals="4" id="c2908866" unitRef="xbrli-pure">0.0241</crmt:FinancingReceivable30To60DaysPastDuePercentOfPortfolio>
<crmt:FinancingReceivable30To60DaysPastDuePercentOfPortfolio contextRef="i_2015-04-30" decimals="4" id="c2908868" unitRef="xbrli-pure">0.0306</crmt:FinancingReceivable30To60DaysPastDuePercentOfPortfolio>
<crmt:FinancingReceivable30To60DaysPastDuePercentOfPortfolio contextRef="i_2014-10-31" decimals="4" id="c2908870" unitRef="xbrli-pure">0.0292</crmt:FinancingReceivable30To60DaysPastDuePercentOfPortfolio>
<crmt:FinancingReceivable3To29DaysPastDuePercentOfPortfolio contextRef="i_2015-10-31" decimals="4" id="c2908860" unitRef="xbrli-pure">0.1108</crmt:FinancingReceivable3To29DaysPastDuePercentOfPortfolio>
<crmt:FinancingReceivable3To29DaysPastDuePercentOfPortfolio contextRef="i_2015-04-30" decimals="4" id="c2908862" unitRef="xbrli-pure">0.1533</crmt:FinancingReceivable3To29DaysPastDuePercentOfPortfolio>
<crmt:FinancingReceivable3To29DaysPastDuePercentOfPortfolio contextRef="i_2014-10-31" decimals="4" id="c2908864" unitRef="xbrli-pure">0.1263</crmt:FinancingReceivable3To29DaysPastDuePercentOfPortfolio>
<crmt:FinancingReceivable61To90DaysPastDuePercentOfPortfolio contextRef="i_2015-10-31" decimals="4" id="c2908872" unitRef="xbrli-pure">0.0068</crmt:FinancingReceivable61To90DaysPastDuePercentOfPortfolio>
<crmt:FinancingReceivable61To90DaysPastDuePercentOfPortfolio contextRef="i_2015-04-30" decimals="4" id="c2908874" unitRef="xbrli-pure">0.0203</crmt:FinancingReceivable61To90DaysPastDuePercentOfPortfolio>
<crmt:FinancingReceivable61To90DaysPastDuePercentOfPortfolio contextRef="i_2014-10-31" decimals="4" id="c2908876" unitRef="xbrli-pure">0.0097</crmt:FinancingReceivable61To90DaysPastDuePercentOfPortfolio>
<crmt:FinancingReceivableAllowanceForCreditLossesWriteoffsNetOfRecoveries contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908849" unitRef="iso4217-usd">66229000</crmt:FinancingReceivableAllowanceForCreditLossesWriteoffsNetOfRecoveries>
<crmt:FinancingReceivableAllowanceForCreditLossesWriteoffsNetOfRecoveries contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908850" unitRef="iso4217-usd">52820000</crmt:FinancingReceivableAllowanceForCreditLossesWriteoffsNetOfRecoveries>
<crmt:FinancingReceivableAverageDaysPastDueAtChargeOff contextRef="d_2015-05-01_2015-10-31" id="c2909043">P59D</crmt:FinancingReceivableAverageDaysPastDueAtChargeOff>
<crmt:FinancingReceivableContractTermsTableTextBlock contextRef="d_2015-05-01_2015-10-31" id="c-23"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2015</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; FONT-WEIGHT: normal; TEXT-ALIGN: left">Portfolio weighted average contract term, including modifications <div style="display: inline; FONT-SIZE: 10pt; FONT-WEIGHT: normal"><div style="display: inline; font-style: italic;">(in months</div><div style="display: inline; FONT-STYLE: normal">)</div></div></td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">30.6</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">29.6</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> </table></div></crmt:FinancingReceivableContractTermsTableTextBlock>
<crmt:FinancingReceivableCurrentPercentOfPortfolio contextRef="i_2015-10-31" decimals="4" id="c2908854" unitRef="xbrli-pure">0.8544</crmt:FinancingReceivableCurrentPercentOfPortfolio>
<crmt:FinancingReceivableCurrentPercentOfPortfolio contextRef="i_2015-04-30" decimals="4" id="c2908856" unitRef="xbrli-pure">0.7891</crmt:FinancingReceivableCurrentPercentOfPortfolio>
<crmt:FinancingReceivableCurrentPercentOfPortfolio contextRef="i_2014-10-31" decimals="4" id="c2908858" unitRef="xbrli-pure">0.83</crmt:FinancingReceivableCurrentPercentOfPortfolio>
<crmt:FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio contextRef="i_2015-10-31" decimals="4" id="c2908878" unitRef="xbrli-pure">0.0039</crmt:FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio>
<crmt:FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio contextRef="i_2015-04-30" decimals="4" id="c2908880" unitRef="xbrli-pure">0.0067</crmt:FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio>
<crmt:FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio contextRef="i_2014-10-31" decimals="4" id="c2908882" unitRef="xbrli-pure">0.0048</crmt:FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio>
<crmt:FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio contextRef="i_2015-10-31" decimals="INF" id="c2909037" unitRef="xbrli-pure">0.035</crmt:FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio>
<crmt:FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio contextRef="i_2014-10-31" decimals="INF" id="c2909039" unitRef="xbrli-pure">0.044</crmt:FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio>
<crmt:FinancingReceivableInterestRate contextRef="d_2015-05-01_2015-10-31_RangeAxis-MaximumMember" decimals="INF" id="c2909030" unitRef="xbrli-pure">0.15</crmt:FinancingReceivableInterestRate>
<crmt:FinancingReceivableInterestRate contextRef="d_2015-05-01_2015-10-31_RangeAxis-MinimumMember" decimals="INF" id="c2909113" unitRef="xbrli-pure">0.14</crmt:FinancingReceivableInterestRate>
<crmt:FinancingReceivablePaymentPeriod contextRef="d_2015-05-01_2015-10-31_RangeAxis-MinimumMember" id="c2909115">P1Y180D</crmt:FinancingReceivablePaymentPeriod>
<crmt:FinancingReceivablePaymentPeriod contextRef="d_2015-05-01_2015-10-31_RangeAxis-MaximumMember" id="c2909116">P3Y180D</crmt:FinancingReceivablePaymentPeriod>
<crmt:FinancingReceivablePercentOfPortfolio contextRef="i_2015-10-31" decimals="4" id="c2908884" unitRef="xbrli-pure">1</crmt:FinancingReceivablePercentOfPortfolio>
<crmt:FinancingReceivablePercentOfPortfolio contextRef="i_2015-04-30" decimals="4" id="c2908886" unitRef="xbrli-pure">1</crmt:FinancingReceivablePercentOfPortfolio>
<crmt:FinancingReceivablePercentOfPortfolio contextRef="i_2014-10-31" decimals="4" id="c2908888" unitRef="xbrli-pure">1</crmt:FinancingReceivablePercentOfPortfolio>
<crmt:FinancingReceivableRecordedInvestment30To60DaysPastDue contextRef="i_2015-10-31" decimals="-3" id="c2908865" unitRef="iso4217-usd">10320000</crmt:FinancingReceivableRecordedInvestment30To60DaysPastDue>
<crmt:FinancingReceivableRecordedInvestment30To60DaysPastDue contextRef="i_2015-04-30" decimals="-3" id="c2908867" unitRef="iso4217-usd">12777000</crmt:FinancingReceivableRecordedInvestment30To60DaysPastDue>
<crmt:FinancingReceivableRecordedInvestment30To60DaysPastDue contextRef="i_2014-10-31" decimals="-3" id="c2908869" unitRef="iso4217-usd">12002000</crmt:FinancingReceivableRecordedInvestment30To60DaysPastDue>
<crmt:FinancingReceivableRecordedInvestment3To29DaysPastDue contextRef="i_2015-10-31" decimals="-3" id="c2908859" unitRef="iso4217-usd">47406000</crmt:FinancingReceivableRecordedInvestment3To29DaysPastDue>
<crmt:FinancingReceivableRecordedInvestment3To29DaysPastDue contextRef="i_2015-04-30" decimals="-3" id="c2908861" unitRef="iso4217-usd">64004000</crmt:FinancingReceivableRecordedInvestment3To29DaysPastDue>
<crmt:FinancingReceivableRecordedInvestment3To29DaysPastDue contextRef="i_2014-10-31" decimals="-3" id="c2908863" unitRef="iso4217-usd">51990000</crmt:FinancingReceivableRecordedInvestment3To29DaysPastDue>
<crmt:FinancingReceivableRecordedInvestment61To90DaysPastDue contextRef="i_2015-10-31" decimals="-3" id="c2908871" unitRef="iso4217-usd">2914000</crmt:FinancingReceivableRecordedInvestment61To90DaysPastDue>
<crmt:FinancingReceivableRecordedInvestment61To90DaysPastDue contextRef="i_2015-04-30" decimals="-3" id="c2908873" unitRef="iso4217-usd">8463000</crmt:FinancingReceivableRecordedInvestment61To90DaysPastDue>
<crmt:FinancingReceivableRecordedInvestment61To90DaysPastDue contextRef="i_2014-10-31" decimals="-3" id="c2908875" unitRef="iso4217-usd">3986000</crmt:FinancingReceivableRecordedInvestment61To90DaysPastDue>
<crmt:FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue contextRef="i_2015-10-31" decimals="-3" id="c2909076" unitRef="iso4217-usd">1677000</crmt:FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue>
<crmt:FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue contextRef="i_2014-10-31" decimals="-3" id="c2909077" unitRef="iso4217-usd">1967000</crmt:FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue>
<crmt:FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue contextRef="i_2015-04-30" decimals="-3" id="c2908879" unitRef="iso4217-usd">2795000</crmt:FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue>
<crmt:InstallmentSaleContractsWeightedAverageInterestRate contextRef="d_2015-05-01_2015-10-31" decimals="INF" id="c2909117" unitRef="xbrli-pure">0.149</crmt:InstallmentSaleContractsWeightedAverageInterestRate>
<crmt:InterestEarnedOnFinancingReceivables contextRef="d_2015-05-01_2015-10-31" decimals="INF" id="c2909031" unitRef="iso4217-usd">1700000</crmt:InterestEarnedOnFinancingReceivables>
<crmt:InterestEarnedOnFinancingReceivables contextRef="d_2014-05-01_2015-04-30" decimals="INF" id="c2909033" unitRef="iso4217-usd">2000000</crmt:InterestEarnedOnFinancingReceivables>
<crmt:InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908841" unitRef="iso4217-usd">23054000</crmt:InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims>
<crmt:InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908842" unitRef="iso4217-usd">21272000</crmt:InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims>
<crmt:LineOfCreditFacilityAdditionalBorrowingCapacity contextRef="i_2013-06-24_CreditFacilityAxis-RevolvingCreditFacilityMember_LongtermDebtTypeAxis-CreditFacilitiesAmendmentNumber3Member" decimals="INF" id="c2909146" unitRef="iso4217-usd">55000000</crmt:LineOfCreditFacilityAdditionalBorrowingCapacity>
<crmt:LineOfCreditFacilityDecreaseInPricingTiersPercent contextRef="d_2013-06-24_2013-06-24_CreditFacilityAxis-RevolvingCreditFacilityMember_LongtermDebtTypeAxis-CreditFacilitiesAmendmentNumber3Member" decimals="5" id="c2909147" unitRef="xbrli-pure">0.0025</crmt:LineOfCreditFacilityDecreaseInPricingTiersPercent>
<crmt:LineOfCreditFacilityDistributionLimitationsMaximumAggregateAmountOfStockRepurchases contextRef="d_2015-05-01_2015-10-31" decimals="INF" id="c2909023" unitRef="iso4217-usd">40000000</crmt:LineOfCreditFacilityDistributionLimitationsMaximumAggregateAmountOfStockRepurchases>
<crmt:LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable contextRef="d_2015-05-01_2015-10-31" decimals="INF" id="c2909028" unitRef="xbrli-pure">0.125</crmt:LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable>
<crmt:LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable contextRef="d_2015-05-01_2015-10-31_CreditFacilityAxis-RevolvingCreditFacilityMember" decimals="5" id="c2909169" unitRef="xbrli-pure">0.125</crmt:LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable>
<crmt:LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome contextRef="d_2015-05-01_2015-10-31" decimals="INF" id="c2909026" unitRef="xbrli-pure">0.75</crmt:LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome>
<crmt:LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome contextRef="d_2015-05-01_2015-10-31_CreditFacilityAxis-RevolvingCreditFacilityMember" decimals="5" id="c2909167" unitRef="xbrli-pure">0.75</crmt:LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome>
<crmt:LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases contextRef="d_2015-05-01_2015-10-31" decimals="INF" id="c2909025" unitRef="xbrli-pure">0.3</crmt:LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases>
<crmt:LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases contextRef="d_2015-05-01_2015-10-31_CreditFacilityAxis-RevolvingCreditFacilityMember" decimals="5" id="c2909166" unitRef="xbrli-pure">0.3</crmt:LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases>
<crmt:LineOfCreditFacilityDividendRestrictionsPolicyTextBlock contextRef="d_2015-05-01_2015-10-31" id="c2933173"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; text-align: justify; margin: 0">Restrictions on Distributions/Dividends</div><div style=" font-size: 10pt; text-align: justify; margin: 0"><div style="display: inline; font-style: italic;">&nbsp;</div></div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company&#x2019;s revolving credit facilities generally restrict distributions by the Company to its shareholders. The distribution limitations under the Credit Facilities allow the Company to repurchase the Company&#x2019;s stock so long as: either (a) the aggregate amount of such repurchases does not exceed $40 million beginning October 8, 2014 and the sum of borrowing bases combined minus the principal balances of all revolver loans after giving effect to such repurchases is equal to or greater than 30% of the sum of the borrowing bases, or (b) the aggregate amount of such repurchases does not exceed 75% of the consolidated net income of the Company measured on a trailing twelve month basis; provided that immediately before and after giving effect to the stock repurchases, at least 12.5% of the aggregate funds committed under the credit facilities remain available. Thus, the Company is limited in its ability to pay dividends or make other distributions to its shareholders without the consent of the Company&#x2019;s lenders.</div></div></div></div></crmt:LineOfCreditFacilityDividendRestrictionsPolicyTextBlock>
<crmt:LineOfCreditFacilityIncreaseInPricingTiersPercent contextRef="d_2014-10-08_2014-10-08_CreditFacilityAxis-RevolvingCreditFacilityMember_LongtermDebtTypeAxis-CreditFacilitiesAmendmentNumber5Member" decimals="5" id="c2909154" unitRef="xbrli-pure">0.00125</crmt:LineOfCreditFacilityIncreaseInPricingTiersPercent>
<crmt:LossesOnClaimsForPaymentProtectionPlan contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908839" unitRef="iso4217-usd">6095000</crmt:LossesOnClaimsForPaymentProtectionPlan>
<crmt:LossesOnClaimsForPaymentProtectionPlan contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908840" unitRef="iso4217-usd">4764000</crmt:LossesOnClaimsForPaymentProtectionPlan>
<crmt:MaximumAllowableCapitalExpendituresByCreditFacilitiesAmendment contextRef="i_2014-02-13_CreditFacilityAxis-RevolvingCreditFacilityMember_LongtermDebtTypeAxis-CreditFacilitiesAmendmentNumber4Member" decimals="INF" id="c2909151" unitRef="iso4217-usd">10000000</crmt:MaximumAllowableCapitalExpendituresByCreditFacilitiesAmendment>
<crmt:MinimumExercisePriceAsAPercentageOfFairMarketValueAtDateOfGrant contextRef="i_2015-10-31_PlanNameAxis-NineteenNinetySevenPlanMember" decimals="0" id="c2908982" unitRef="xbrli-pure">1</crmt:MinimumExercisePriceAsAPercentageOfFairMarketValueAtDateOfGrant>
<crmt:MinimumExercisePriceAsAPercentageOfFairMarketValueAtDateOfGrant contextRef="i_2015-10-31_PlanNameAxis-RestatedOptionPlanMember" decimals="0" id="c2908983" unitRef="xbrli-pure">1</crmt:MinimumExercisePriceAsAPercentageOfFairMarketValueAtDateOfGrant>
<crmt:NetChargeOffsAsPercentageOfAverageFinanceReceivables contextRef="d_2015-05-01_2015-10-31" decimals="INF" id="c2909122" unitRef="xbrli-pure">0.156</crmt:NetChargeOffsAsPercentageOfAverageFinanceReceivables>
<crmt:NetChargeOffsAsPercentageOfAverageFinanceReceivables contextRef="d_2014-05-01_2014-10-31" decimals="INF" id="c2909124" unitRef="xbrli-pure">0.134</crmt:NetChargeOffsAsPercentageOfAverageFinanceReceivables>
<crmt:NumberOfOperatingSubsidiaries contextRef="d_2015-05-01_2015-10-31" decimals="INF" id="c2909011" unitRef="xbrli-pure">2</crmt:NumberOfOperatingSubsidiaries>
<crmt:NumberOfStockOptionPlans contextRef="i_2015-10-31" decimals="INF" id="c2909194" unitRef="xbrli-pure">2</crmt:NumberOfStockOptionPlans>
<crmt:OriginationsOfFinancingReceivables contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908736" unitRef="iso4217-usd">223266000</crmt:OriginationsOfFinancingReceivables>
<crmt:OriginationsOfFinancingReceivables contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908737" unitRef="iso4217-usd">222024000</crmt:OriginationsOfFinancingReceivables>
<crmt:PaymentProtectionPlanLosses contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908723" unitRef="iso4217-usd">6095000</crmt:PaymentProtectionPlanLosses>
<crmt:PaymentProtectionPlanLosses contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908724" unitRef="iso4217-usd">4764000</crmt:PaymentProtectionPlanLosses>
<crmt:PercentageOfReceivableChargeOffs contextRef="i_2015-10-31" decimals="INF" id="c2909048" unitRef="xbrli-pure">0.5</crmt:PercentageOfReceivableChargeOffs>
<crmt:PortfolioWeightedAverageContractTermIncludingModifications contextRef="d_2015-05-01_2015-10-31" id="c2908895">P2Y198D</crmt:PortfolioWeightedAverageContractTermIncludingModifications>
<crmt:PortfolioWeightedAverageContractTermIncludingModifications contextRef="d_2014-05-01_2014-10-31" id="c2908896">P2Y168D</crmt:PortfolioWeightedAverageContractTermIncludingModifications>
<crmt:PrincipalCollectedAsAPercentOfAverageFinancingReceivables contextRef="i_2015-10-31" decimals="3" id="c2908889" unitRef="xbrli-pure">0.277</crmt:PrincipalCollectedAsAPercentOfAverageFinancingReceivables>
<crmt:PrincipalCollectedAsAPercentOfAverageFinancingReceivables contextRef="i_2014-10-31" decimals="3" id="c2908890" unitRef="xbrli-pure">0.282</crmt:PrincipalCollectedAsAPercentOfAverageFinancingReceivables>
<crmt:PropertyPlantAndEquipmentUsefulLifeTableTextBlock contextRef="d_2015-05-01_2015-10-31" id="c-16"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT: 10pt Times New Roman, Times, Serif;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: top"> <td style="WIDTH: 34%; LAYOUT-GRID-MODE: line; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT: 10pt Times New Roman, Times, Serif">Furniture, fixtures and equipment (years)</div></td> <td style="WIDTH: 3%; LAYOUT-GRID-MODE: line; FONT-WEIGHT: bold; TEXT-ALIGN: right; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT-FAMILY: Times New Roman, Times, Serif; FONT-WEIGHT: normal">3</div></td> <td style="WIDTH: 3%; TEXT-ALIGN: center">to</td> <td style="WIDTH: 3%">7</td> <td style="WIDTH: 48%">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT-FAMILY: Times New Roman, Times, Serif">Leasehold improvements</div> (years)</td> <td style="LAYOUT-GRID-MODE: line; FONT-WEIGHT: bold; TEXT-ALIGN: right; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT-FAMILY: Times New Roman, Times, Serif; FONT-WEIGHT: normal">5</div></td> <td style="TEXT-ALIGN: center">to</td> <td>15</td> <td>&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="LAYOUT-GRID-MODE: line; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT: 10pt Times New Roman, Times, Serif">Buildings and improvements</div> (years)</td> <td style="LAYOUT-GRID-MODE: line; FONT-WEIGHT: bold; TEXT-ALIGN: right; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT-FAMILY: Times New Roman, Times, Serif; FONT-WEIGHT: normal">18</div></td> <td style="TEXT-ALIGN: center">to</td> <td>39</td> <td>&nbsp;</td> </tr> </table></div></crmt:PropertyPlantAndEquipmentUsefulLifeTableTextBlock>
<crmt:ProvisionForCreditLosses contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908837" unitRef="iso4217-usd">73439000</crmt:ProvisionForCreditLosses>
<crmt:ProvisionForCreditLosses contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908838" unitRef="iso4217-usd">59247000</crmt:ProvisionForCreditLosses>
<crmt:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue contextRef="d_2015-05-01_2015-10-31_AwardTypeAxis-EmployeeStockOptionMember" decimals="INF" id="c2909214" unitRef="iso4217-usd">5200000</crmt:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue>
<crmt:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue contextRef="d_2014-05-01_2014-10-31_AwardTypeAxis-EmployeeStockOptionMember" decimals="INF" id="c2909215" unitRef="iso4217-usd">595000</crmt:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue>
<crmt:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNotCurrentlyExpectedToVestOutstandingNumber contextRef="i_2015-10-31_AwardTypeAxis-PerformanceSharesMember" decimals="INF" id="c2909228" unitRef="xbrli-shares">68750</crmt:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNotCurrentlyExpectedToVestOutstandingNumber>
<crmt:StockOptionPlanComparisonTableTextBlock contextRef="d_2015-05-01_2015-10-31" id="c-29"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: center">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">1997 Plan</td> <td style="PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Restated <br />Option Plan</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Minimum exercise price as a percentage of fair market value at date of grant</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: center">100%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: center">100%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Last expiration date for outstanding options</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" nowrap="nowrap">July 2, 2017</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" nowrap="nowrap">August 5, 2025</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Shares available for grant at October 31, 2015</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center">322,250</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> </table></div></crmt:StockOptionPlanComparisonTableTextBlock>
<crmt:TreasuryStockPolicyTextBlock contextRef="d_2015-05-01_2015-10-31" id="c2933187"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Treasury Stock</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">&nbsp;</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company purchased 89,658 shares of its common stock to be held as treasury stock for a total cost of $4.0 million during the first six months of fiscal 2016 and 255,208 shares for a total cost of $10.3 million during the first six months of fiscal 2015. Treasury stock may be used for issuances under the Company&#x2019;s stock-based compensation plans or for other general corporate purposes.</div></div></div></div></crmt:TreasuryStockPolicyTextBlock>
<crmt:WeightedAverageSharesOutstandingTextBlock contextRef="d_2015-05-01_2015-10-31" id="s107506"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;">H &#x2013; Weighted Average Shares Outstanding</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">Weighted average shares of common stock outstanding used in the calculation of basic and diluted earnings per share were as follows:</div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Three Months Ended<br />October 31,</td> <td>&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 48%">Weighted average shares outstanding-basic</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">8,471,918</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">8,604,003</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">8,492,679</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">8,660,173</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Dilutive options and restricted stock</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">418,434</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">360,942</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">422,577</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">Weighted average shares outstanding-diluted</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">8,471,918</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">9,022,437</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">8,853,621</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">9,082,750</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Antidilutive securities not included:</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td style="TEXT-ALIGN: right">&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td style="TEXT-ALIGN: right">&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td style="TEXT-ALIGN: right">&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td style="TEXT-ALIGN: right">&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-INDENT: 10pt">Options</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">251,000</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">89,000</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">254,500</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">79,500</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Restricted stock</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">9,500</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">4,750</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; 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<us-gaap:AllocatedShareBasedCompensationExpenseNetOfTax contextRef="d_2015-05-01_2015-10-31_PlanNameAxis-StockIncentivePlanMember" decimals="INF" id="c2909250" unitRef="iso4217-usd">31000</us-gaap:AllocatedShareBasedCompensationExpenseNetOfTax>
<us-gaap:AllocatedShareBasedCompensationExpenseNetOfTax contextRef="d_2014-05-01_2014-10-31_PlanNameAxis-StockIncentivePlanMember" decimals="INF" id="c2909252" unitRef="iso4217-usd">28200</us-gaap:AllocatedShareBasedCompensationExpenseNetOfTax>
<us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock contextRef="d_2015-05-01_2015-10-31" id="c-20"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%">Balance at beginning of period</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">93,224</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">86,033</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Provision for credit losses</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">73,439</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">59,247</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Charge-offs, net of recovered collateral</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(66,229</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(52,820</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Balance at end of period</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">100,434</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">92,460</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> </tr> </table></div></us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock>
<us-gaap:AmortizationOfFinancingCostsAndDiscounts contextRef="d_2015-05-01_2015-10-31" decimals="INF" id="c2909171" unitRef="iso4217-usd">96000</us-gaap:AmortizationOfFinancingCostsAndDiscounts>
<us-gaap:AmortizationOfFinancingCostsAndDiscounts contextRef="d_2014-05-01_2014-10-31" decimals="INF" id="c2909172" unitRef="iso4217-usd">93000</us-gaap:AmortizationOfFinancingCostsAndDiscounts>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="d_2015-08-01_2015-10-31_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis-AdditionalEmployeeStockOptionMember" decimals="INF" id="c2909186" unitRef="xbrli-shares">325729</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="d_2015-08-01_2015-10-31_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis-EmployeeStockOptionMember" decimals="INF" id="c2908974" unitRef="xbrli-shares">251000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="d_2014-08-01_2014-10-31_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis-EmployeeStockOptionMember" decimals="INF" id="c2908975" unitRef="xbrli-shares">89000</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="d_2015-05-01_2015-10-31_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis-EmployeeStockOptionMember" decimals="INF" id="c2908976" unitRef="xbrli-shares">254500</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="d_2014-05-01_2014-10-31_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis-EmployeeStockOptionMember" decimals="INF" id="c2908977" unitRef="xbrli-shares">79500</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="d_2015-08-01_2015-10-31_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis-RestrictedStockMember" decimals="INF" id="c2908978" unitRef="xbrli-shares">9500</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="d_2014-08-01_2014-10-31_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis-RestrictedStockMember" id="c2908979" unitRef="xbrli-shares" xs:nil="true"/>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="d_2015-05-01_2015-10-31_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis-RestrictedStockMember" decimals="INF" id="c2908980" unitRef="xbrli-shares">4750</us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount>
<us-gaap:AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount contextRef="d_2014-05-01_2014-10-31_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis-RestrictedStockMember" id="c2908981" unitRef="xbrli-shares" xs:nil="true"/>
<us-gaap:Assets contextRef="i_2015-10-31" decimals="-3" id="c2908597" unitRef="iso4217-usd">403663000</us-gaap:Assets>
<us-gaap:Assets contextRef="i_2015-04-30" decimals="-3" id="c2908598" unitRef="iso4217-usd">400361000</us-gaap:Assets>
<us-gaap:BankOverdrafts contextRef="i_2015-10-31" decimals="-3" id="c2908913" unitRef="iso4217-usd">1227000</us-gaap:BankOverdrafts>
<us-gaap:BankOverdrafts contextRef="i_2015-04-30" decimals="-3" id="c2908914" unitRef="iso4217-usd">1587000</us-gaap:BankOverdrafts>
<us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="i_2015-10-31" decimals="-3" id="c2908581" unitRef="iso4217-usd">1386000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
<us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="i_2015-04-30" decimals="-3" id="c2908582" unitRef="iso4217-usd">790000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
<us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="i_2014-04-30" decimals="-3" id="c2908789" unitRef="iso4217-usd">289000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
<us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="i_2014-10-31" decimals="-3" id="c2908791" unitRef="iso4217-usd">257000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="i_2015-10-31_FairValueByMeasurementBasisAxis-CarryingReportedAmountFairValueDisclosureMember" decimals="-3" id="c2908945" unitRef="iso4217-usd">1386000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="i_2015-10-31_FairValueByMeasurementBasisAxis-EstimateOfFairValueFairValueDisclosureMember" decimals="-3" id="c2908946" unitRef="iso4217-usd">1386000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="i_2015-04-30_FairValueByMeasurementBasisAxis-CarryingReportedAmountFairValueDisclosureMember" decimals="-3" id="c2908947" unitRef="iso4217-usd">790000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
<us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="i_2015-04-30_FairValueByMeasurementBasisAxis-EstimateOfFairValueFairValueDisclosureMember" decimals="-3" id="c2908948" unitRef="iso4217-usd">790000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
<us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908786" unitRef="iso4217-usd">596000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
<us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908787" unitRef="iso4217-usd">-32000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
<us-gaap:CashAndCashEquivalentsPolicyTextBlock contextRef="d_2015-05-01_2015-10-31" id="c2933174"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Cash Equivalents</div><div style=" font-size: 10pt; text-align: justify; margin: 0"><div style="display: inline; font-style: italic;">&nbsp;</div></div><div style=" font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The Company considers all highly liquid debt instruments purchased with original maturities of three months or less to be cash equivalents.</div></div></div></div></us-gaap:CashAndCashEquivalentsPolicyTextBlock>
<us-gaap:CashFlowSupplementalDisclosuresTextBlock contextRef="d_2015-05-01_2015-10-31" id="s107513"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;">K - Supplemental Cash Flow Information</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">Supplemental cash flow disclosures are as follows:</div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center">&nbsp;</td> <td>&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(in thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Supplemental disclosures:</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td style="TEXT-ALIGN: right">&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td style="TEXT-ALIGN: right">&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Interest paid</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">1,782</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">1,376</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Income taxes paid, net</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,990</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">5,238</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Non-cash transactions:</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td style="TEXT-ALIGN: right">&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td style="TEXT-ALIGN: right">&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Inventory acquired in repossession and payment protection plan claims</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">23,054</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">21,272</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> </table> </div></div></us-gaap:CashFlowSupplementalDisclosuresTextBlock>
<us-gaap:CommitmentsAndContingencies contextRef="i_2015-10-31" id="c2909308" unitRef="iso4217-usd" xs:nil="true"/>
<us-gaap:CommitmentsAndContingencies contextRef="i_2015-04-30" id="c2909309" unitRef="iso4217-usd" xs:nil="true"/>
<us-gaap:CommitmentsAndContingenciesDisclosureTextBlock contextRef="d_2015-05-01_2015-10-31" id="s107512"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;">J &#x2013; Commitments and Contingencies</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company has a standby letter of credit relating to an insurance policy totaling $1 million at October 31, 2015.</div></div></us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>
<us-gaap:CommonStockCapitalSharesReservedForFutureIssuance contextRef="i_2015-08-05_PlanNameAxis-RestatedOptionPlanMember" decimals="INF" id="c2909203" unitRef="xbrli-shares">1800000</us-gaap:CommonStockCapitalSharesReservedForFutureIssuance>
<us-gaap:CommonStockParOrStatedValuePerShare contextRef="i_2015-10-31" decimals="INF" id="c2909272" unitRef="iso4217-usd-per-xbrli-shares">0.01</us-gaap:CommonStockParOrStatedValuePerShare>
<us-gaap:CommonStockParOrStatedValuePerShare contextRef="i_2015-04-30" decimals="INF" id="c2909273" unitRef="iso4217-usd-per-xbrli-shares">0.01</us-gaap:CommonStockParOrStatedValuePerShare>
<us-gaap:CommonStockSharesAuthorized contextRef="i_2015-10-31" decimals="INF" id="c2909274" unitRef="xbrli-shares">50000000</us-gaap:CommonStockSharesAuthorized>
<us-gaap:CommonStockSharesAuthorized contextRef="i_2015-04-30" decimals="INF" id="c2909275" unitRef="xbrli-shares">50000000</us-gaap:CommonStockSharesAuthorized>
<us-gaap:CommonStockSharesIssued contextRef="i_2015-10-31" decimals="INF" id="c2909276" unitRef="xbrli-shares">12708291</us-gaap:CommonStockSharesIssued>
<us-gaap:CommonStockSharesIssued contextRef="i_2015-04-30" decimals="INF" id="c2909277" unitRef="xbrli-shares">12688890</us-gaap:CommonStockSharesIssued>
<us-gaap:CommonStockSharesOutstanding contextRef="i_2015-10-31" decimals="INF" id="c2909278" unitRef="xbrli-shares">8458966</us-gaap:CommonStockSharesOutstanding>
<us-gaap:CommonStockSharesOutstanding contextRef="i_2015-04-30" decimals="INF" id="c2909279" unitRef="xbrli-shares">8529223</us-gaap:CommonStockSharesOutstanding>
<us-gaap:CommonStockValue contextRef="i_2015-10-31" decimals="-3" id="c2908622" unitRef="iso4217-usd">127000</us-gaap:CommonStockValue>
<us-gaap:CommonStockValue contextRef="i_2015-04-30" decimals="-3" id="c2908623" unitRef="iso4217-usd">127000</us-gaap:CommonStockValue>
<us-gaap:ConcentrationRiskCreditRisk contextRef="d_2015-05-01_2015-10-31" id="c2933172"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Concentration of Risk</div><div style=" font-size: 10pt; text-align: justify; margin: 0"><div style="display: inline; font-style: italic;">&nbsp;</div></div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company provides financing in connection with the sale of substantially all of its vehicles. These sales are made primarily to customers residing in Alabama, Arkansas, Georgia, Kentucky, Mississippi, Missouri, Oklahoma, Tennessee, and Texas, with approximately 32% of revenues resulting from sales to Arkansas customers.</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Periodically, the Company maintains cash in financial institutions in excess of the amounts insured by the federal government. The Company&#x2019;s revolving credit facilities mature in October 2017. The Company expects that these credit facilities will be renewed or refinanced on or before the scheduled maturity dates.</div></div></div></div></us-gaap:ConcentrationRiskCreditRisk>
<us-gaap:ConcentrationRiskPercentage1 contextRef="d_2015-05-01_2015-10-31_ConcentrationRiskByBenchmarkAxis-SalesRevenueNetMember_ConcentrationRiskByTypeAxis-CustomerConcentrationRiskMember_StatementGeographicalAxis-ArkansasUSAMember" decimals="INF" id="c2909021" unitRef="xbrli-pure">0.32</us-gaap:ConcentrationRiskPercentage1>
<us-gaap:ConsolidationPolicyTextBlock contextRef="d_2015-05-01_2015-10-31" id="c2933135"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Principles of Consolidation</div><div style=" font-size: 10pt; text-align: justify; margin: 0"><div style="display: inline; font-style: italic;">&nbsp;</div></div><div style=" font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The consolidated financial statements include the accounts of America&#x2019;s Car-Mart, Inc. and its subsidiaries. All intercompany accounts and transactions have been eliminated.</div></div></div></div></us-gaap:ConsolidationPolicyTextBlock>
<us-gaap:CostOfRevenue contextRef="d_2015-08-01_2015-10-31" decimals="-3" id="c2908652" unitRef="iso4217-usd">71596000</us-gaap:CostOfRevenue>
<us-gaap:CostOfRevenue contextRef="d_2014-08-01_2014-10-31" decimals="-3" id="c2908653" unitRef="iso4217-usd">68156000</us-gaap:CostOfRevenue>
<us-gaap:CostOfRevenue contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908654" unitRef="iso4217-usd">146682000</us-gaap:CostOfRevenue>
<us-gaap:CostOfRevenue contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908655" unitRef="iso4217-usd">133627000</us-gaap:CostOfRevenue>
<us-gaap:CostsAndExpenses contextRef="d_2015-08-01_2015-10-31" decimals="-3" id="c2908676" unitRef="iso4217-usd">133778000</us-gaap:CostsAndExpenses>
<us-gaap:CostsAndExpenses contextRef="d_2014-08-01_2014-10-31" decimals="-3" id="c2908677" unitRef="iso4217-usd">121852000</us-gaap:CostsAndExpenses>
<us-gaap:CostsAndExpenses contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908678" unitRef="iso4217-usd">269103000</us-gaap:CostsAndExpenses>
<us-gaap:CostsAndExpenses contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908679" unitRef="iso4217-usd">237612000</us-gaap:CostsAndExpenses>
<us-gaap:DebtDisclosureTextBlock contextRef="d_2015-05-01_2015-10-31" id="s107502"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;">F &#x2013; Debt Facilities</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px; TEXT-INDENT: 9pt">A summary of revolving credit facilities is as follows:</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px; TEXT-INDENT: 9pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px; TEXT-INDENT: 9pt"></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT: 10pt Times New Roman, Times, Serif; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic; TEXT-ALIGN: left">(In thousands)</td> <td style="BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid" colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid" colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid" colspan="3">&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="WIDTH: 45%; PADDING-BOTTOM: 1pt; TEXT-ALIGN: center">&nbsp;</td> <td style="WIDTH: 1%; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="WIDTH: 8%; TEXT-ALIGN: center">Aggregate</td> <td style="WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="WIDTH: 1%; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="WIDTH: 10%; PADDING-BOTTOM: 1pt; TEXT-ALIGN: center">Interest </td> <td style="PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">&nbsp;</td> <td style="PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">Balance at</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: center">&nbsp;</td> <td style="PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center">Amount</td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">&nbsp;</td> <td style="PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center">Rate</td> <td style="PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center">Maturity</td> <td style="PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="2" nowrap="nowrap">October 31, 2015</td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">&nbsp;</td> <td style="PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="2" nowrap="nowrap">April 30, 2015</td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="TEXT-ALIGN: left">Revolving credit facilities</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">$</td> <td style="TEXT-ALIGN: right">145,000</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td>&nbsp;</td> <td nowrap="nowrap">LIBOR + 2.375%</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: center" nowrap="nowrap">October 8, 2017</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">$</td> <td style="TEXT-ALIGN: right">104,424</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">$</td> <td style="TEXT-ALIGN: right">102,685</td> <td style="TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: left">&nbsp;</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td style="TEXT-ALIGN: center" colspan="13">(2.57% at October 31, 2015 and 2.56% at April 30, 2015)</td> <td style="TEXT-ALIGN: left">&nbsp;</td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px; TEXT-INDENT: 9pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; COLOR: red; MARGIN: 0px; TEXT-INDENT: 9pt"></div> <div style=" FONT-SIZE: 10pt; COLOR: red; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">On March 9, 2012, the Company entered into an Amended and Restated Loan and Security Agreement (&#x201c;Credit Facilities&#x201d;) with a group of lenders providing revolving credit facilities totaling $125 million. The Credit Facilities were amended on September 30, 2012, February 4, 2013, June 24, 2013, February 13, 2014 and October 8, 2014, respectively. The first amendment to the Credit Facilities increased the total revolving commitment to $145 million. The second amendment amended the definition of eligible vehicle contracts to include contracts with 36-42 month terms. The third amendment extended the term to June 24, 2016, provided the option to request revolver commitment increases for up to an additional $55 million and provided for a 0.25% decrease in each of the three pricing tiers for determining the applicable interest rate. The fourth amendment amended the structure of the debt covenants as related to the application of the fixed charge coverage ratio calculation.&nbsp; As amended, the fixed charge coverage ratio calculation will be required only if availability, as defined, under the revolving credit facilities is less than certain specified thresholds. &nbsp;The fourth amendment also increased the allowable capital expenditures to $10 million in the aggregate during any fiscal year and allows for the sale of certain vehicle contracts to third parties.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The fifth amendment extended the term of the Credit Facilities to October 8, 2017, added a new pricing tier for determining the applicable interest rate, and provided for a 0.125% increase in each of the three existing pricing tiers. The fifth amendment also amended one of two alternative distribution limitations related to repurchases of the Company&#x2019;s stock. With respect to such limitation, the amendment (i) reset the $40 million aggregate limit on repurchases beginning with October 8, 2014, (ii) redefined the aggregate amount of repurchases to be net of proceeds received from the exercise of stock options, and (iii) changed the requirement that the sum of borrowing bases combined minus the principal balances of all revolver loans after giving effect to such repurchases be equal to or greater than 30% of the sum of the borrowing bases.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The revolving credit facilities are collateralized primarily by finance receivables and inventory, are cross collateralized and contain a guarantee by the Company. Interest is payable monthly under the revolving credit facilities. The Credit Facilities provide for four pricing tiers for determining the applicable interest rate, based on the Company&#x2019;s consolidated leverage ratio for the preceding fiscal quarter. The current applicable interest rate under the Credit Facilities is generally LIBOR plus 2.375%. The Credit Facilities contain various reporting and performance covenants including (i) maintenance of certain financial ratios and tests, (ii) limitations on borrowings from other sources, (iii) restrictions on certain operating activities and (iv) restrictions on the payment of dividends or distributions.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The distribution limitations under the Credit Facilities allow the Company to repurchase the Company&#x2019;s stock so long as: either (a) the aggregate amount of such repurchases does not exceed $40 million beginning October 8, 2014 and the sum of borrowing bases combined minus the principal balances of all revolver loans after giving effect to such repurchases is equal to or greater than 30% of the sum of the borrowing bases, or (b) the aggregate amount of such repurchases does not exceed 75% of the consolidated net income of the Company measured on a trailing twelve month basis; provided that immediately before and after giving effect to the stock repurchases, at least 12.5% of the aggregate funds committed under the credit facilities remain available.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company was in compliance with the covenants at October 31, 2015. The amount available to be drawn under the credit facilities is a function of eligible finance receivables and inventory. Based upon eligible finance receivables and inventory at October 31, 2015, the Company had additional availability of approximately $38.1 million under the revolving credit facilities.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company recognized approximately $96,000 and $93,000 of amortization for the six months ended October 31, 2015 and 2014, respectively, related to debt issuance costs. The amortization is reflected as interest expense in the Company&#x2019;s Consolidated Statements of Operations.</div></div></us-gaap:DebtDisclosureTextBlock>
<us-gaap:DebtInstrumentBasisSpreadOnVariableRate1 contextRef="d_2015-05-01_2015-10-31_CreditFacilityAxis-RevolvingCreditFacilityMember_VariableRateAxis-LondonInterbankOfferedRateLIBORMember" decimals="5" id="c2909162" unitRef="xbrli-pure">0.02375</us-gaap:DebtInstrumentBasisSpreadOnVariableRate1>
<us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables contextRef="i_2015-10-31" decimals="-3" id="c2908823" unitRef="iso4217-usd">60761000</us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables>
<us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables contextRef="i_2015-04-30" decimals="-3" id="c2908824" unitRef="iso4217-usd">59937000</us-gaap:DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables>
<us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908733" unitRef="iso4217-usd">-1119000</us-gaap:DeferredIncomeTaxExpenseBenefit>
<us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908734" unitRef="iso4217-usd">2402000</us-gaap:DeferredIncomeTaxExpenseBenefit>
<us-gaap:DeferredRevenue contextRef="i_2015-10-31_ProductOrServiceAxis-PaymentProtectionPlanMember" decimals="-3" id="c2909057" unitRef="iso4217-usd">16061000</us-gaap:DeferredRevenue>
<us-gaap:DeferredRevenue contextRef="i_2015-10-31_ProductOrServiceAxis-ServiceContractMember" decimals="-3" id="c2909058" unitRef="iso4217-usd">9865000</us-gaap:DeferredRevenue>
<us-gaap:DeferredRevenue contextRef="i_2015-04-30_ProductOrServiceAxis-PaymentProtectionPlanMember" decimals="-3" id="c2908604" unitRef="iso4217-usd">15652000</us-gaap:DeferredRevenue>
<us-gaap:DeferredRevenue contextRef="i_2015-04-30_ProductOrServiceAxis-ServiceContractMember" decimals="-3" id="c2908606" unitRef="iso4217-usd">9584000</us-gaap:DeferredRevenue>
<us-gaap:DeferredTaxLiabilities contextRef="i_2015-10-31" decimals="-3" id="c2908609" unitRef="iso4217-usd">18059000</us-gaap:DeferredTaxLiabilities>
<us-gaap:DeferredTaxLiabilities contextRef="i_2015-04-30" decimals="-3" id="c2908610" unitRef="iso4217-usd">19178000</us-gaap:DeferredTaxLiabilities>
<us-gaap:DepreciationAndAmortization contextRef="d_2015-08-01_2015-10-31" decimals="-3" id="c2908668" unitRef="iso4217-usd">1038000</us-gaap:DepreciationAndAmortization>
<us-gaap:DepreciationAndAmortization contextRef="d_2014-08-01_2014-10-31" decimals="-3" id="c2908669" unitRef="iso4217-usd">929000</us-gaap:DepreciationAndAmortization>
<us-gaap:DepreciationAndAmortization contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908670" unitRef="iso4217-usd">2048000</us-gaap:DepreciationAndAmortization>
<us-gaap:DepreciationAndAmortization contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908671" unitRef="iso4217-usd">1847000</us-gaap:DepreciationAndAmortization>
<us-gaap:DepreciationDepletionAndAmortization contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908725" unitRef="iso4217-usd">2048000</us-gaap:DepreciationDepletionAndAmortization>
<us-gaap:DepreciationDepletionAndAmortization contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908726" unitRef="iso4217-usd">1847000</us-gaap:DepreciationDepletionAndAmortization>
<us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock contextRef="d_2015-05-01_2015-10-31" id="s107508"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;">I &#x2013; Stock-Based Compensation</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN-LEFT: 0px; MARGIN-RIGHT: 0px; TEXT-INDENT: 9.35pt">The Company has stock-based compensation plans available to grant non-qualified stock options, incentive stock options and restricted stock to employees, directors and certain advisors of the Company. The stock-based compensation plans being utilized at October 31, 2015 are the Amended and Restated Stock Option Plan and the Amended and Restated Stock Incentive Plan. The Company recorded total stock-based compensation expense for all plans of approximately $949,000 ($595,000 after tax effects) and $412,000 ($258,000 after tax effects) for the six months ended October 31, 2015 and 2014, respectively. Tax benefits were recognized for these costs at the Company&#x2019;s overall effective tax rate.</div> <div style=" FONT-SIZE: 10pt; MARGIN-LEFT: 0px; MARGIN-RIGHT: 0px"><div style="display: inline; font-style: italic;">Stock Options</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 0.5in">The Company has options outstanding under two stock option plans approved by the shareholders, the 1997 Stock Option Plan (&#x201c;1997 Plan&#x201d;) and the Amended and Restated Stock Option Plan, formerly the 2007 Stock Option Plan (the &#x201c;2007 Plan&#x201d;). While previously granted options remain outstanding, no additional option grants may be made under the 1997 Plan. The shareholders of the Company approved the Amended and Restated Stock Option Plan (the &#x201c;Restated Option Plan&#x201d;) on August 5, 2015. The Restated Option Plan is an amendment and restatement of the 2007 Plan. The amendment and restatement extends the term of the Restated Option Plan to June 10, 2025 and increases the number of shares of common stock reserved for issuance under the plan by an additional 300,000 shares to 1,800,000 shares. The Restated Option Plan provides for the grant of options to purchase shares of the Company&#x2019;s common stock to employees, directors and certain advisors of the Company at a price not less than the fair market value of the stock on the date of grant and for periods not to exceed ten years. Options granted under the Company&#x2019;s stock option plans expire in the calendar years 2016 through 2025.</div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN-LEFT: 0px; MARGIN-RIGHT: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: center">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">1997 Plan</td> <td style="PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Restated <br />Option Plan</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Minimum exercise price as a percentage of fair market value at date of grant</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: center">100%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: center">100%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Last expiration date for outstanding options</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" nowrap="nowrap">July 2, 2017</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" nowrap="nowrap">August 5, 2025</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Shares available for grant at October 31, 2015</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center">322,250</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN-LEFT: 0px; MARGIN-RIGHT: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">The fair value of options granted is estimated on the date of grant using the Black-Scholes option pricing model based on the assumptions in the table below.</div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-weight: bold;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: justify">Expected term (years)</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">5.5</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">5.3</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Risk-free interest rate</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1.58</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1.65</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Volatility</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">34</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">35</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Dividend yield</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">The expected term of the options is based on evaluations of historical and expected future employee exercise behavior. The risk-free interest rate is based on the U.S. Treasury rates at the date of grant with maturity dates approximately equal to the expected life at the grant date. Volatility is based on historical volatility of the Company&#x2019;s common stock. The Company has not historically issued any dividends and does not expect to do so in the foreseeable future.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">There were 298,750 and 44,000 options granted during the six months ended October 31, 2015 and 2014, respectively. The grant-date fair value of options granted during the six months ended October 31, 2015 and 2014 was $5.2 million and $595,000, respectively. The options were granted at fair market value on the date of grant.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">Stock option compensation expense on a pre-tax basis was $887,000 ($556,000 after tax effects) and $353,000 ($221,000 after tax effects) for the six months ended October 31, 2015 and 2014, respectively. As of October 31, 2015, the Company had approximately $4.1 million of total unrecognized compensation cost related to unvested options that are expected to vest. These unvested outstanding options have a weighted-average remaining vesting period of 4.14 years.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">In May 2015, key employees of the Company were granted 104,250 performance based stock options with a five-year performance period ending April 30, 2020. An additional 40,000 such options were granted to key employees of the Company in August 2015. Tiered vesting of these units is based solely on comparing the Company&#x2019;s net income over the specified performance period to net income at April 30, 2015. As of October 31, 2015, the Company had $1.2 million in unrecognized compensation expense related to 68,750 of these options that are not currently expected to vest.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">The aggregate intrinsic value of outstanding options at October 31, 2015 and 2014 was $11.2 million and $24.8 million, respectively.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">The Company had the following options exercised for the periods indicated. The impact of these cash receipts is included in financing activities in the accompanying Consolidated Statements of Cash Flows.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(Dollars in thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Options exercised</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">17,750</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">88,750</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Cash received from option exercises</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">245</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1,546</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt">Intrinsic value of options exercised</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">690</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,129</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">As of October 31, 2015 there were 917,000 vested and exercisable stock options outstanding with an aggregate intrinsic value of $11.2 million and a weighted average remaining contractual life of 3.90 years and a weighted average exercise price of $23.17.</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px">&nbsp;</div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Stock Incentive Plan</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The shareholders of the Company approved an amendment to the Company&#x2019;s Stock Incentive Plan on October 14, 2009. The amendment increased from 150,000 to 350,000 the number of shares of common stock that may be issued under the Stock Incentive Plan.&nbsp;&nbsp;The shareholders of the Company approved the Amended and Restated Stock Incentive Plan on August 5, 2015, which extended the term of the Stock Incentive Plan to June 10, 2025. For shares issued under the Stock Incentive Plan, the associated compensation expense is generally recognized equally over the vesting periods established at the award date and is subject to the employee&#x2019;s continued employment by the Company.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 0.5in">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">There were no restricted shares granted during the first six months of fiscal 2016 or fiscal 2015. A total of 177,527 shares remained available for award at October 31, 2015. There were 9,500 unvested shares at October 31, 2015 with a weighted average grant date fair value of $52.10.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 0.5in">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">The Company recorded compensation cost of approximately $50,000 ($31,000 after tax effects) and $45,000 ($28,200 after tax effects) related to the Stock Incentive Plan during the six months ended October 31, 2015 and 2014, respectively. As of October 31, 2015, the Company had approximately $445,000<div style="display: inline; COLOR: #ff9900"> </div>of total unrecognized compensation cost related to unvested awards granted under the Stock Incentive Plan, which the Company expects to recognize over a weighted-average remaining period of 4.5 years.</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px; TEXT-INDENT: 0.5in">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">There were no modifications to any of the Company&#x2019;s outstanding share-based payment awards during fiscal 2015 or during the first six months of fiscal 2016.</div></div></us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock>
<us-gaap:DistributionsOnMandatorilyRedeemableSecurities contextRef="d_2015-08-01_2015-10-31" decimals="-3" id="c2908692" unitRef="iso4217-usd">-10000</us-gaap:DistributionsOnMandatorilyRedeemableSecurities>
<us-gaap:DistributionsOnMandatorilyRedeemableSecurities contextRef="d_2014-08-01_2014-10-31" decimals="-3" id="c2908693" unitRef="iso4217-usd">-10000</us-gaap:DistributionsOnMandatorilyRedeemableSecurities>
<us-gaap:DistributionsOnMandatorilyRedeemableSecurities contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908694" unitRef="iso4217-usd">-20000</us-gaap:DistributionsOnMandatorilyRedeemableSecurities>
<us-gaap:DistributionsOnMandatorilyRedeemableSecurities contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908695" unitRef="iso4217-usd">-20000</us-gaap:DistributionsOnMandatorilyRedeemableSecurities>
<us-gaap:EarningsPerShareBasic contextRef="d_2015-08-01_2015-10-31" decimals="INF" id="c2908701" unitRef="iso4217-usd-per-xbrli-shares">-0.06</us-gaap:EarningsPerShareBasic>
<us-gaap:EarningsPerShareBasic contextRef="d_2014-08-01_2014-10-31" decimals="INF" id="c2908702" unitRef="iso4217-usd-per-xbrli-shares">0.87</us-gaap:EarningsPerShareBasic>
<us-gaap:EarningsPerShareBasic contextRef="d_2015-05-01_2015-10-31" decimals="INF" id="c2908703" unitRef="iso4217-usd-per-xbrli-shares">0.48</us-gaap:EarningsPerShareBasic>
<us-gaap:EarningsPerShareBasic contextRef="d_2014-05-01_2014-10-31" decimals="INF" id="c2908704" unitRef="iso4217-usd-per-xbrli-shares">1.70</us-gaap:EarningsPerShareBasic>
<us-gaap:EarningsPerShareDiluted contextRef="d_2015-08-01_2015-10-31" decimals="INF" id="c2908705" unitRef="iso4217-usd-per-xbrli-shares">-0.06</us-gaap:EarningsPerShareDiluted>
<us-gaap:EarningsPerShareDiluted contextRef="d_2014-08-01_2014-10-31" decimals="INF" id="c2908706" unitRef="iso4217-usd-per-xbrli-shares">0.83</us-gaap:EarningsPerShareDiluted>
<us-gaap:EarningsPerShareDiluted contextRef="d_2015-05-01_2015-10-31" decimals="INF" id="c2908707" unitRef="iso4217-usd-per-xbrli-shares">0.46</us-gaap:EarningsPerShareDiluted>
<us-gaap:EarningsPerShareDiluted contextRef="d_2014-05-01_2014-10-31" decimals="INF" id="c2908708" unitRef="iso4217-usd-per-xbrli-shares">1.62</us-gaap:EarningsPerShareDiluted>
<us-gaap:EarningsPerSharePolicyTextBlock contextRef="d_2015-05-01_2015-10-31" id="c2933184"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Earnings per Share</div><div style=" font-size: 10pt; margin: 0">&nbsp;</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 12pt">Basic earnings per share are computed by dividing net income attributable to common stockholders by the average number of common shares outstanding during the period. Diluted earnings per share are computed by dividing net income attributable to common stockholders by the average number of common shares outstanding during the period plus dilutive common stock equivalents. The calculation of diluted earnings per share takes into consideration the potentially dilutive effect of common stock equivalents, such as outstanding stock options and non-vested restricted stock, which if exercised or converted into common stock would then share in the earnings of the Company. In computing diluted earnings per share, the Company utilizes the treasury stock method and anti-dilutive securities are excluded.</div></div></div></div></us-gaap:EarningsPerSharePolicyTextBlock>
<us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized contextRef="i_2015-10-31_AwardTypeAxis-EmployeeStockOptionMember" decimals="INF" id="c2909222" unitRef="iso4217-usd">4100000</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized>
<us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized contextRef="i_2015-10-31_PlanNameAxis-StockIncentivePlanMember" decimals="INF" id="c2909255" unitRef="iso4217-usd">445000</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized>
<us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1 contextRef="d_2015-05-01_2015-10-31_AwardTypeAxis-EmployeeStockOptionMember" id="c2909223">P4Y51D</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1>
<us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1 contextRef="d_2015-05-01_2015-10-31_PlanNameAxis-StockIncentivePlanMember" id="c2909256">P4Y182D</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1>
<us-gaap:ExcessTaxBenefitFromShareBasedCompensationFinancingActivities contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908768" unitRef="iso4217-usd">191000</us-gaap:ExcessTaxBenefitFromShareBasedCompensationFinancingActivities>
<us-gaap:ExcessTaxBenefitFromShareBasedCompensationFinancingActivities contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908769" unitRef="iso4217-usd">544000</us-gaap:ExcessTaxBenefitFromShareBasedCompensationFinancingActivities>
<us-gaap:ExcessTaxBenefitFromShareBasedCompensationOperatingActivities contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908754" unitRef="iso4217-usd">191000</us-gaap:ExcessTaxBenefitFromShareBasedCompensationOperatingActivities>
<us-gaap:ExcessTaxBenefitFromShareBasedCompensationOperatingActivities contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908755" unitRef="iso4217-usd">544000</us-gaap:ExcessTaxBenefitFromShareBasedCompensationOperatingActivities>
<us-gaap:FairValueByBalanceSheetGroupingTextBlock contextRef="d_2015-05-01_2015-10-31" id="c-27"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">October 31, 2015</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">April 30, 2015</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: justify">(In thousands)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Carrying<br />Value</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Fair<br />Value</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Carrying<br />Value</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Fair<br />Value</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 48%; TEXT-ALIGN: justify">Cash</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">1,386</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">1,386</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">790</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">790</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Finance receivables, net</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">327,229</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">263,012</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">324,144</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">256,681</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Accounts payable</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,841</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,841</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,022</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,022</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Revolving credit facilities</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">104,424</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">104,424</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">102,685</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">102,685</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> </table></div></us-gaap:FairValueByBalanceSheetGroupingTextBlock>
<us-gaap:FairValueDisclosuresTextBlock contextRef="d_2015-05-01_2015-10-31" id="s107504"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;">G &#x2013; Fair Value Measurements</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The table below summarizes information about the fair value of financial instruments included in the Company&#x2019;s financial statements at October 31, 2015 and April 30, 2015:</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">October 31, 2015</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">April 30, 2015</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: justify">(In thousands)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Carrying<br />Value</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Fair<br />Value</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Carrying<br />Value</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Fair<br />Value</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 48%; TEXT-ALIGN: justify">Cash</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">1,386</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">1,386</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">790</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">790</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Finance receivables, net</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">327,229</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">263,012</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">324,144</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">256,681</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Accounts payable</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,841</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,841</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,022</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,022</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Revolving credit facilities</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">104,424</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">104,424</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">102,685</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">102,685</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9.35pt"></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">Because no market exists for certain of the Company&#x2019;s financial instruments, fair value estimates are based on judgments and estimates regarding yield expectations of investors, credit risk and other risk characteristics, including interest rate and prepayment risk. These estimates are subjective in nature and involve uncertainties and matters of judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect these estimates. The methodology and assumptions utilized to estimate the fair value of the Company&#x2019;s financial instruments are as follows:</div> <table style="TEXT-INDENT: 0;FONT-SIZE: 10pt; WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: top"> <td style="WIDTH: 8%">&nbsp;</td> <td style="TEXT-DECORATION: underline; WIDTH: 24%; TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt"><div style="display: inline; text-decoration: underline;">Financial Instrument</div></div></td> <td style="TEXT-DECORATION: underline; WIDTH: 59%; TEXT-ALIGN: center; TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt"><div style="display: inline; text-decoration: underline;">Valuation Methodology</div></div></td> <td style="WIDTH: 9%">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td>&nbsp;</td> <td style="TEXT-INDENT: 0in">&nbsp;</td> <td style="TEXT-INDENT: 0in">&nbsp;</td> <td>&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td>&nbsp;</td> <td style="TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt">Cash</div></td> <td style="TEXT-ALIGN: justify; TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt">The carrying amount is considered to be a reasonable estimate of fair value due to the short-term nature of the financial instrument.</div></td> <td>&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td>&nbsp;</td> <td style="TEXT-INDENT: 0in">&nbsp;</td> <td style="TEXT-INDENT: 0in">&nbsp;</td> <td>&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td>&nbsp;</td> <td style="TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt">Finance receivables, net</div></td> <td style="TEXT-ALIGN: justify; TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt">The Company estimated the fair value of its receivables at what a third party purchaser might be willing to pay. The Company has had discussions with third parties and has bought and sold portfolios, and had a third party appraisal in November 2012 that indicated a range of 35% to 40% discount to face would be a reasonable fair value in a negotiated third party transaction.&nbsp;&nbsp;The sale of finance receivables from Car-Mart of Arkansas to Colonial is made at a 38.5% discount.&nbsp;&nbsp;For financial reporting purposes these sale transactions are eliminated. Since the Company does not intend to offer the receivables for sale to an outside third party, the expectation is that the net book value at October 31, 2015, will be ultimately collected. By collecting the accounts internally the Company expects to realize more than a third party purchaser would expect to collect with a servicing requirement and a profit margin included.</div></td> <td>&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td>&nbsp;</td> <td style="TEXT-INDENT: 0in">&nbsp;</td> <td style="TEXT-ALIGN: justify; TEXT-INDENT: 0in">&nbsp;</td> <td>&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td>&nbsp;</td> <td style="TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt">Accounts payable</div></td> <td style="TEXT-ALIGN: justify; TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt">The carrying amount is considered to be a reasonable estimate of fair value due to the short-term nature of the financial instrument.</div></td> <td>&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td>&nbsp;</td> <td style="TEXT-INDENT: 0in">&nbsp;</td> <td style="TEXT-INDENT: 0in">&nbsp;</td> <td>&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td>&nbsp;</td> <td style="TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt">Revolving credit facilities</div></td> <td style="TEXT-ALIGN: justify; TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt">The fair value approximates carrying value due to the variable interest rates charged on the borrowings, which reprice frequently.</div></td> <td>&nbsp;</td> </tr> </table></div></us-gaap:FairValueDisclosuresTextBlock>
<us-gaap:FairValueInputsDiscountRate contextRef="d_2012-11-01_2012-11-30_RangeAxis-MinimumMember" decimals="3" id="c2909180" unitRef="xbrli-pure">0.35</us-gaap:FairValueInputsDiscountRate>
<us-gaap:FairValueInputsDiscountRate contextRef="d_2012-11-01_2012-11-30_RangeAxis-MaximumMember" decimals="3" id="c2909181" unitRef="xbrli-pure">0.4</us-gaap:FairValueInputsDiscountRate>
<us-gaap:FairValueOfAssetsAcquired contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2909008" unitRef="iso4217-usd">23054000</us-gaap:FairValueOfAssetsAcquired>
<us-gaap:FairValueOfAssetsAcquired contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2909009" unitRef="iso4217-usd">21272000</us-gaap:FairValueOfAssetsAcquired>
<us-gaap:FinanceLoansAndLeasesReceivablePolicy contextRef="d_2015-05-01_2015-10-31" id="c2935799"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Finance Receivables, Repossessions and Charge-offs and Allowance for Credit Losses</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;">&nbsp;</div></div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">The Company originates installment sale contracts from the sale of used vehicles at its dealerships. These installment sale contracts typically carry an interest rate of 15% using the simple effective interest method including any deferred fees. Contract origination costs are not significant.<div style="display: inline; font-style: italic;"> </div>The installment sale contracts are not pre-computed contracts whereby borrowers are obligated to pay back principal plus the full amount of interest that will accrue over the entire term of the contract. Finance receivables are collateralized by vehicles sold and consist of contractually scheduled payments from installment contracts net of unearned finance charges and an allowance for credit losses. Unearned finance charges represent the balance of interest receivable to be earned over the entire term of the related installment contract, less the earned amount ($1.7 million at October 31, 2015 and $2.0 million at April 30, 2015), and as such, has been reflected as a reduction to the gross contract amount in arriving at the principal balance in finance receivables<div style="display: inline; font-style: italic;">.</div> Accounts are delinquent when the customer is one day or more behind on their contractual payments<div style="display: inline; font-style: italic;">. </div>While the Company does not formally place contracts on nonaccrual status, the immaterial amount of interest that may accrue after an account becomes delinquent up until the point of resolution via repossession or write-off, is reserved for against the accrued interest on the Consolidated Balance Sheets. Delinquent contracts are addressed and either made current by the customer or the vehicle is repossessed or written off if the collateral cannot be recovered quickly. Customer payments are set to match their payday with approximately 73% of payments due on either a weekly or bi-weekly basis. The frequency of the payment due dates combined with the declining value of collateral lead to prompt resolutions on problem accounts. <div style="display: inline; font-style: italic;"></div>At October 31, 2015, 3.5% of the Company&#x2019;s finance receivable balances were 30 days or more past due compared to 4.4% at October 31, 2014.</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">Substantially all of the Company&#x2019;s automobile contracts involve contracts made to individuals with impaired or limited credit histories, or higher debt-to-income ratios than permitted by traditional lenders. Contracts made with buyers who are restricted in their ability to obtain financing from traditional lenders generally entail a higher risk of delinquency, default and repossession, and higher losses than contracts made with buyers with better credit.</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">The Company strives to keep its delinquency percentages low, and not to repossess vehicles. Accounts two days late are sent a notice in the mail. Accounts three days late are contacted by telephone. Notes from each telephone contact are electronically maintained in the Company&#x2019;s computer system. If a customer becomes severely delinquent in his or her payments, and management determines that timely collection of future payments is not probable, the Company will take steps to repossess the vehicle. The Company attempts to resolve payment delinquencies amicably prior to repossessing a vehicle. Periodically, the Company enters into contract modifications with its customers to extend or modify the payment terms. The Company only enters into a contract modification or extension if it believes such action will increase the amount of monies the Company will ultimately realize on the customer&#x2019;s account and will increase the likelihood of the customer being able to pay off the vehicle contract. At the time of modification, the Company expects to collect amounts due including accrued interest at the contractual interest rate for the period of delay. Other than the extension of additional time, concessions are not granted to customers at the time of modifications. Modifications are minor and are made for payday changes, minor vehicle repairs and other reasons. For those vehicles that are repossessed, the majority are returned or surrendered by the customer on a voluntary basis. Other repossessions are performed by Company personnel or third party repossession agents. Depending on the condition of a repossessed vehicle, it is either resold on a retail basis through a Company dealership, or sold for cash on a wholesale basis primarily through physical or online auctions.</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">The Company takes steps to repossess a vehicle when the customer becomes delinquent in his or her payments and management determines that timely collection of future payments is not probable. Accounts are charged-off after the expiration of a statutory notice period for repossessed accounts, or when management determines that the timely collection of future payments is not probable for accounts where the Company has been unable to repossess the vehicle. For accounts with respect to which the vehicle was repossessed, the fair value of the repossessed vehicle is charged as a reduction of the gross finance receivable balance charged-off. On average, accounts are approximately 59 days past due at the time of charge-off. For previously charged-off accounts that are subsequently recovered, the amount of such recovery is credited to the allowance for credit losses.</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">The Company maintains an allowance for credit losses on an aggregate basis, as opposed to a contract-by-contract basis, at an amount it considers sufficient to cover estimated losses inherent in the portfolio at the balance sheet date in the collection of its finance receivables currently outstanding. The Company accrues an estimated loss as it is probable that the entire amount will not be collected and the amount of the loss can be reasonably estimated in the aggregate. The allowance for credit losses is based primarily upon historical credit loss experience, with consideration given to recent credit loss trends and changes in contract characteristics (i.e., average amount financed and term), delinquency levels, collateral values, economic conditions and underwriting and collection practices. The allowance for credit losses is periodically reviewed by management with any changes reflected in current operations. Although it is at least reasonably possible that events or circumstances could occur in the future that are not presently foreseen which could cause actual credit losses to be materially different from the recorded allowance for credit losses, the Company believes that it has given appropriate consideration to all relevant factors and has made reasonable assumptions in determining the allowance for credit losses. The calculation of the allowance for credit losses uses the following primary factors:</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.75in; TEXT-INDENT: 9.35pt"><div style="display: inline; FONT-FAMILY: Symbol">&middot;</div>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The number of units repossessed or charged-off as a percentage of total units financed over specific historical periods of time from one year to five years.</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.5in; TEXT-INDENT: 9.35pt">&nbsp;</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.75in; TEXT-INDENT: 9.35pt"><div style="display: inline; FONT-FAMILY: Symbol">&middot;</div>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The average net repossession and charge-off loss per unit during the last eighteen months, segregated by the number of months since the contract origination date, and adjusted for the expected future average net charge-off loss per unit. Approximately 50% of the charge-offs that will ultimately occur in the portfolio are expected to occur within 10-11 months following the balance sheet date. The average age of an account at charge-off date is 11.6 months.</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.5in; TEXT-INDENT: 9.35pt">&nbsp;</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.75in; TEXT-INDENT: 9.35pt"><div style="display: inline; FONT-FAMILY: Symbol">&middot;</div>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The timing of repossession and charge-off losses relative to the date of sale (i.e., how long it takes for a repossession or charge-off to occur) for repossessions and charge-offs occurring during the last eighteen months.</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">A point estimate is produced by this analysis which is then supplemented by any positive or negative subjective factors to arrive at an overall reserve amount that management considers to be a reasonable estimate of losses inherent in the portfolio at the balance sheet date that will be realized via actual charge-offs in the future. While challenging economic conditions can negatively impact credit losses, the effectiveness of the execution of internal policies and procedures within the collections area and the competitive environment on the lending side have historically had a more significant effect on collection results than macro-economic issues. The allowance for credit losses at October 31, 2015 of $100.4 million was 25.0% of the principal balance in finance receivables of $427.7 million, less unearned payment protection plan revenue of $16.1 million and unearned service contract revenue of $9.9 million.</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">In most states, the Company offers retail customers who finance their vehicle the option of purchasing a payment protection plan product as an add-on to the installment sale contract. This product contractually obligates the Company to cancel the remaining principal outstanding for any contract where the retail customer has totaled the vehicle, as defined, or the vehicle has been stolen. The Company periodically evaluates anticipated losses to ensure that if anticipated losses exceed deferred payment protection plan revenues, an additional liability is recorded for such difference. No such liability was required at October 31, 2015 or 2014.</div></div></div></us-gaap:FinanceLoansAndLeasesReceivablePolicy>
<us-gaap:FinancingReceivableAllowanceForCreditLosses contextRef="i_2015-10-31" decimals="-3" id="c2908827" unitRef="iso4217-usd">100434000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
<us-gaap:FinancingReceivableAllowanceForCreditLosses contextRef="i_2015-04-30" decimals="-3" id="c2908828" unitRef="iso4217-usd">93224000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
<us-gaap:FinancingReceivableAllowanceForCreditLosses contextRef="i_2014-04-30" decimals="-3" id="c2908846" unitRef="iso4217-usd">86033000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
<us-gaap:FinancingReceivableAllowanceForCreditLosses contextRef="i_2014-10-31" decimals="-3" id="c2908852" unitRef="iso4217-usd">92460000</us-gaap:FinancingReceivableAllowanceForCreditLosses>
<us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs contextRef="d_2015-05-01_2015-10-31" decimals="INF" id="c2909054" unitRef="iso4217-usd">100400000</us-gaap:FinancingReceivableAllowanceForCreditLossesWriteOffs>
<us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock contextRef="d_2015-05-01_2015-10-31" id="c-22"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Principal collected as a percent of average finance receivables</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">27.7</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">28.2</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Average down-payment percentage</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">6.5</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">6.8</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; FONT-WEIGHT: normal; TEXT-ALIGN: left">Average originating contract term <div style="display: inline; FONT-SIZE: 10pt; FONT-WEIGHT: normal"><div style="display: inline; font-style: italic;">(in months</div><div style="display: inline; FONT-STYLE: normal">)</div></div></td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">28.4</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">27.4</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> </table></div></us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock>
<us-gaap:FinancingReceivableRecordedInvestmentCurrent contextRef="i_2015-10-31" decimals="-3" id="c2908853" unitRef="iso4217-usd">365346000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
<us-gaap:FinancingReceivableRecordedInvestmentCurrent contextRef="i_2015-04-30" decimals="-3" id="c2908855" unitRef="iso4217-usd">329329000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
<us-gaap:FinancingReceivableRecordedInvestmentCurrent contextRef="i_2014-10-31" decimals="-3" id="c2908857" unitRef="iso4217-usd">341555000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
<us-gaap:FinancingReceivablesTextBlock contextRef="d_2015-05-01_2015-10-31" id="s107491"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN: 0px">C &#x2013; Finance Receivables, Net</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company originates installment sale contracts from the sale of used vehicles at its dealerships. These installment sale contracts typically include interest rates ranging from 14% to 15% per annum, are collateralized by the vehicle sold and typically provide for payments over periods ranging from 18 to 42 months. The weighted average interest rate for the portfolio was approximately 14.9% at October 31, 2015. The Company&#x2019;s finance receivables are defined as one segment and one class of loans, which is sub-prime consumer automobile contracts. The level of risks inherent in the Company&#x2019;s financing receivables is managed as one homogeneous pool. The components of finance receivables are as follows:</div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-weight: bold;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">April 30, 2015</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Gross contract amount</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">488,424</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">477,305</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Less unearned finance charges</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(60,761</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(59,937</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left; TEXT-INDENT: 40pt">Principal balance</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">427,663</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">417,368</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Less allowance for credit losses</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(100,434</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(93,224</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt; TEXT-ALIGN: left">Finance receivables, net</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">327,229</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">324,144</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">Changes in the finance receivables, net are as follows:</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%">Balance at beginning of period</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">324,144</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">293,299</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Finance receivable originations</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">223,266</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">222,024</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Finance receivable collections</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(117,593</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(111,000</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Provision for credit losses</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(73,439</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(59,247</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Losses on claims for payment protection plan</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(6,095</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(4,764</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Inventory acquired in repossession and payment protection plan claims</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(23,054</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(21,272</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Balance at end of period</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">327,229</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">319,040</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">Changes in the finance receivables allowance for credit losses are as follows:</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;">&nbsp;</div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%">Balance at beginning of period</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">93,224</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">86,033</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Provision for credit losses</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">73,439</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">59,247</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Charge-offs, net of recovered collateral</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(66,229</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(52,820</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Balance at end of period</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">100,434</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">92,460</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The factors which influenced management&#x2019;s judgment in determining the amount of the additions to the allowance charged to provision for credit losses are described below:</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 0.5in">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The level of actual charge-offs, net of recovered collateral, is the most important factor in determining the charges to the provision for credit losses. This is due to the fact that once a contract becomes delinquent the account is either made current by the customer, the vehicle is repossessed or the account is written off if the collateral cannot be recovered. Net charge-offs as a percentage of average finance receivables increased to 15.6% for the six months ended October 31, 2015 compared to 13.4% for the same period in the prior year. The increase in net charge-offs for the first six months of fiscal 2016 resulted from an increased frequency of losses as well as an increase in the severity of losses resulting from lower wholesale values at repossession.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">Collections and delinquency levels can have a significant effect on additions to the allowance and are reviewed frequently. Collections as a percentage of average finance receivables were 27.7% for the six months ended October 31, 2015 compared to 28.2% for the prior year period. The decrease in collections as a percentage of average finance receivables primarily resulted from the longer average term and slightly higher contract modifications offset by lower delinquencies and a higher level of early pay-offs. Delinquencies greater than 30 days were 3.5% for October 31, 2015 and 4.4% at October 31, 2014.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">Macro-economic factors, the competitive environment, and more importantly, proper execution of operational policies and procedures can have a significant effect on additions to the allowance charged to the provision. Unemployment levels, gasoline prices and prices for staple items can potentially have a significant effect on collections and delinquency levels, and ultimately on net charge-offs. We believe our customers continue to be under significant pressure due to the persistent difficult macro-economic environment for the Company&#x2019;s customer base. We expect these conditions to continue in the near to mid-term future. The Company continues to focus on operational improvements within the collections area such as credit reporting for customers and implementation of GPS technology on vehicles sold.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">Credit quality information for finance receivables is as follows:</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; COLOR: red; FONT: 9pt Sans-Serif"><div style="display: inline; font-weight: bold;"></div></div><div style="display: inline; FONT-SIZE: 10pt"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; FONT-SIZE: 10pt"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(Dollars in thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">October 31, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">April 30, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">October 31, 2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;<br />&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;<br />&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Principal<br />Balance</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;<br />&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Percent of<br />Portfolio</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;<br />&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Principal<br />Balance</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;<br />&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Percent of<br />Portfolio</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;<br />&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Principal<br />Balance</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;<br />&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Percent of<br />Portfolio</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 22%">Current</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">365,346</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">85.44</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">329,329</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">78.91</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">341,555</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">83.00</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">3 - 29 days past due</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">47,406</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11.08</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">64,004</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">15.33</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">51,990</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">12.63</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">30 - 60 days past due</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">10,320</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2.41</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">12,777</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">3.06</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">12,002</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2.92</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">61 - 90 days past due</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,914</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">0.68</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">8,463</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2.03</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">3,986</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">0.97</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">&gt; 90 days past due</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">1,677</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">0.39</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">2,795</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">0.67</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">1,967</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">0.48</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt; TEXT-INDENT: 20pt">Total</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">427,663</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">100.00</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">417,368</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">100.00</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">411,500</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">100.00</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">%</td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; FONT-SIZE: 10pt">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">Accounts one and two days past due are considered current for this analysis, due to the varying payment dates and variation in the day of the week at each period end. Delinquencies may vary from period to period based on the average age of the portfolio, seasonality within the calendar year, the day of the week and overall economic factors. The above categories are consistent with internal operational measures used by the Company to monitor credit results.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">Substantially all of the Company&#x2019;s automobile contracts involve contracts made to individuals with impaired or limited credit histories, or higher debt-to-income ratios than permitted by traditional lenders. Contracts made with buyers who are restricted in their ability to obtain financing from traditional lenders generally entail a higher risk of delinquency, default and repossession, and higher losses than contracts made with buyers with better credit. The Company monitors contract term length, down payment percentages, and collections for credit quality indicators.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Principal collected as a percent of average finance receivables</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">27.7</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">28.2</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Average down-payment percentage</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">6.5</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">6.8</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; FONT-WEIGHT: normal; TEXT-ALIGN: left">Average originating contract term <div style="display: inline; FONT-SIZE: 10pt; FONT-WEIGHT: normal"><div style="display: inline; font-style: italic;">(in months</div><div style="display: inline; FONT-STYLE: normal">)</div></div></td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">28.4</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">27.4</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> </table> </div> <div style=" MARGIN: 0px">&nbsp;</div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2015</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; FONT-WEIGHT: normal; TEXT-ALIGN: left">Portfolio weighted average contract term, including modifications <div style="display: inline; FONT-SIZE: 10pt; FONT-WEIGHT: normal"><div style="display: inline; font-style: italic;">(in months</div><div style="display: inline; FONT-STYLE: normal">)</div></div></td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">30.6</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">29.6</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The decrease in the principal collected as a percent of average finance receivables was primarily due to the longer average term and slightly higher contract modifications offset by lower delinquencies and a higher level of early pay-offs. 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<us-gaap:GainLossOnDispositionOfAssets contextRef="d_2014-08-01_2014-10-31" decimals="-3" id="c2908673" unitRef="iso4217-usd">-20000</us-gaap:GainLossOnDispositionOfAssets>
<us-gaap:GainLossOnDispositionOfAssets contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908674" unitRef="iso4217-usd">-19000</us-gaap:GainLossOnDispositionOfAssets>
<us-gaap:GainLossOnDispositionOfAssets contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908675" unitRef="iso4217-usd">-20000</us-gaap:GainLossOnDispositionOfAssets>
<us-gaap:GainLossOnSaleOfPropertyPlantEquipment contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908729" unitRef="iso4217-usd">-19000</us-gaap:GainLossOnSaleOfPropertyPlantEquipment>
<us-gaap:GainLossOnSaleOfPropertyPlantEquipment contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908730" unitRef="iso4217-usd">-20000</us-gaap:GainLossOnSaleOfPropertyPlantEquipment>
<us-gaap:Goodwill contextRef="i_2015-10-31" decimals="-3" id="c2908593" unitRef="iso4217-usd">355000</us-gaap:Goodwill>
<us-gaap:Goodwill contextRef="i_2015-04-30" decimals="-3" id="c2908594" unitRef="iso4217-usd">355000</us-gaap:Goodwill>
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<us-gaap:GoodwillImpairmentLoss contextRef="d_2014-05-01_2015-04-30" decimals="INF" id="c2911196" unitRef="iso4217-usd">0</us-gaap:GoodwillImpairmentLoss>
<us-gaap:GoodwillImpairmentLoss contextRef="d_2015-05-01_2015-10-31" decimals="INF" id="c2911197" unitRef="iso4217-usd">0</us-gaap:GoodwillImpairmentLoss>
<us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic contextRef="d_2015-08-01_2015-10-31" decimals="-3" id="c2908680" unitRef="iso4217-usd">-774000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic>
<us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic contextRef="d_2014-08-01_2014-10-31" decimals="-3" id="c2908681" unitRef="iso4217-usd">11982000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic>
<us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908682" unitRef="iso4217-usd">6590000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic>
<us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908683" unitRef="iso4217-usd">23598000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic>
<us-gaap:IncomeTaxExaminationPenaltiesAndInterestAccrued contextRef="i_2015-10-31" decimals="INF" id="c2911198" unitRef="iso4217-usd">0</us-gaap:IncomeTaxExaminationPenaltiesAndInterestAccrued>
<us-gaap:IncomeTaxExaminationPenaltiesAndInterestAccrued contextRef="i_2015-04-30" decimals="INF" id="c2911199" unitRef="iso4217-usd">0</us-gaap:IncomeTaxExaminationPenaltiesAndInterestAccrued>
<us-gaap:IncomeTaxExpenseBenefit contextRef="d_2015-08-01_2015-10-31" decimals="-3" id="c2908684" unitRef="iso4217-usd">-289000</us-gaap:IncomeTaxExpenseBenefit>
<us-gaap:IncomeTaxExpenseBenefit contextRef="d_2014-08-01_2014-10-31" decimals="-3" id="c2908685" unitRef="iso4217-usd">4463000</us-gaap:IncomeTaxExpenseBenefit>
<us-gaap:IncomeTaxExpenseBenefit contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908686" unitRef="iso4217-usd">2458000</us-gaap:IncomeTaxExpenseBenefit>
<us-gaap:IncomeTaxExpenseBenefit contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908687" unitRef="iso4217-usd">8819000</us-gaap:IncomeTaxExpenseBenefit>
<us-gaap:IncomeTaxPolicyTextBlock contextRef="d_2015-05-01_2015-10-31" id="c2933182"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Income Taxes</div><div style=" font-size: 10pt; text-align: justify; margin: 0">&nbsp;</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Income taxes are accounted for under the liability method. Under this method, deferred income tax assets and liabilities are determined based on differences between financial reporting and tax bases of assets and liabilities, and are measured using the enacted tax rates expected to apply in the years in which these differences are expected to be recovered or settled. The quarterly provision for income taxes is determined using an estimated annual effective tax rate, which is based on expected annual taxable income, statutory tax rates and the Company&#x2019;s best estimate of nontaxable and nondeductible items of income and expense.</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">&nbsp;</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Occasionally, the Company is audited by taxing authorities. These audits could result in proposed assessments of additional taxes. The Company believes that its tax positions comply in all material respects with applicable tax law. However, tax law is subject to interpretation, and interpretations by taxing authorities could be different from those of the Company, which could result in the imposition of additional taxes.</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">&nbsp;</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company recognizes the financial statement benefit of a tax position only after determining that the relevant tax authority would more likely than not sustain the position following an audit. For tax positions meeting the more-likely-than-not threshold, the amount recognized in the financial statements is the largest benefit that has a greater than 50 percent likelihood of being realized upon ultimate settlement with the relevant tax authority. The Company applies this methodology to all tax positions for which the statute of limitations remains open.</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">&nbsp;</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company is subject to income taxes in the U.S. federal jurisdiction and various state jurisdictions. Tax regulations within each jurisdiction are subject to the interpretation of the related tax laws and regulations and require significant judgment to apply. With few exceptions, the Company is no longer subject to U.S. federal, state and local income tax examinations by tax authorities for the years before fiscal 2012.</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">&nbsp;</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company&#x2019;s policy is to recognize accrued interest related to unrecognized tax benefits in interest expense and penalties in operating expenses. The Company had no accrued penalties or interest as of October 31, 2015 or April 30, 2015.</div></div></div></div></us-gaap:IncomeTaxPolicyTextBlock>
<us-gaap:IncomeTaxReceivable contextRef="i_2015-10-31" decimals="-3" id="c2908591" unitRef="iso4217-usd">250000</us-gaap:IncomeTaxReceivable>
<us-gaap:IncomeTaxReceivable contextRef="i_2015-04-30" decimals="-3" id="c2908592" unitRef="iso4217-usd">645000</us-gaap:IncomeTaxReceivable>
<us-gaap:IncomeTaxesPaidNet contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2909005" unitRef="iso4217-usd">2990000</us-gaap:IncomeTaxesPaidNet>
<us-gaap:IncomeTaxesPaidNet contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2909006" unitRef="iso4217-usd">5238000</us-gaap:IncomeTaxesPaidNet>
<us-gaap:IncreaseDecreaseInAccountsPayableAndAccruedLiabilities contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908746" unitRef="iso4217-usd">775000</us-gaap:IncreaseDecreaseInAccountsPayableAndAccruedLiabilities>
<us-gaap:IncreaseDecreaseInAccountsPayableAndAccruedLiabilities contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908747" unitRef="iso4217-usd">3362000</us-gaap:IncreaseDecreaseInAccountsPayableAndAccruedLiabilities>
<us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908752" unitRef="iso4217-usd">586000</us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable>
<us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908753" unitRef="iso4217-usd">1064000</us-gaap:IncreaseDecreaseInAccruedIncomeTaxesPayable>
<us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908740" unitRef="iso4217-usd">-303000</us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet>
<us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908741" unitRef="iso4217-usd">-3000</us-gaap:IncreaseDecreaseInAccruedInterestReceivableNet>
<us-gaap:IncreaseDecreaseInDeferredRevenue contextRef="d_2015-05-01_2015-10-31_ProductOrServiceAxis-PaymentProtectionPlanMember" decimals="-3" id="c2908748" unitRef="iso4217-usd">409000</us-gaap:IncreaseDecreaseInDeferredRevenue>
<us-gaap:IncreaseDecreaseInDeferredRevenue contextRef="d_2014-05-01_2014-10-31_ProductOrServiceAxis-PaymentProtectionPlanMember" decimals="-3" id="c2908749" unitRef="iso4217-usd">1143000</us-gaap:IncreaseDecreaseInDeferredRevenue>
<us-gaap:IncreaseDecreaseInDeferredRevenue contextRef="d_2015-05-01_2015-10-31_ProductOrServiceAxis-ServiceContractMember" decimals="-3" id="c2908750" unitRef="iso4217-usd">281000</us-gaap:IncreaseDecreaseInDeferredRevenue>
<us-gaap:IncreaseDecreaseInDeferredRevenue contextRef="d_2014-05-01_2014-10-31_ProductOrServiceAxis-ServiceContractMember" decimals="-3" id="c2908751" unitRef="iso4217-usd">4401000</us-gaap:IncreaseDecreaseInDeferredRevenue>
<us-gaap:IncreaseDecreaseInInventories contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908742" unitRef="iso4217-usd">-23068000</us-gaap:IncreaseDecreaseInInventories>
<us-gaap:IncreaseDecreaseInInventories contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908743" unitRef="iso4217-usd">-18937000</us-gaap:IncreaseDecreaseInInventories>
<us-gaap:IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908744" unitRef="iso4217-usd">-426000</us-gaap:IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets>
<us-gaap:IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908745" unitRef="iso4217-usd">353000</us-gaap:IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets>
<us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles contextRef="d_2015-08-01_2015-10-31" decimals="-3" id="c2908643" unitRef="iso4217-usd">15334000</us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles>
<us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles contextRef="d_2014-08-01_2014-10-31" decimals="-3" id="c2908644" unitRef="iso4217-usd">14399000</us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles>
<us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908645" unitRef="iso4217-usd">30428000</us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles>
<us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908646" unitRef="iso4217-usd">28316000</us-gaap:InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles>
<us-gaap:InterestExpense contextRef="d_2015-08-01_2015-10-31" decimals="-3" id="c2908664" unitRef="iso4217-usd">792000</us-gaap:InterestExpense>
<us-gaap:InterestExpense contextRef="d_2014-08-01_2014-10-31" decimals="-3" id="c2908665" unitRef="iso4217-usd">721000</us-gaap:InterestExpense>
<us-gaap:InterestExpense contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908666" unitRef="iso4217-usd">1552000</us-gaap:InterestExpense>
<us-gaap:InterestExpense contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908667" unitRef="iso4217-usd">1396000</us-gaap:InterestExpense>
<us-gaap:InterestPaid contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2909003" unitRef="iso4217-usd">1782000</us-gaap:InterestPaid>
<us-gaap:InterestPaid contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2909004" unitRef="iso4217-usd">1376000</us-gaap:InterestPaid>
<us-gaap:InterestReceivable contextRef="i_2015-10-31" decimals="-3" id="c2908583" unitRef="iso4217-usd">1699000</us-gaap:InterestReceivable>
<us-gaap:InterestReceivable contextRef="i_2015-04-30" decimals="-3" id="c2908584" unitRef="iso4217-usd">2002000</us-gaap:InterestReceivable>
<us-gaap:InventoryNet contextRef="i_2015-10-31" decimals="-3" id="c2908587" unitRef="iso4217-usd">34253000</us-gaap:InventoryNet>
<us-gaap:InventoryNet contextRef="i_2015-04-30" decimals="-3" id="c2908588" unitRef="iso4217-usd">34267000</us-gaap:InventoryNet>
<us-gaap:InventoryPolicyTextBlock contextRef="d_2015-05-01_2015-10-31" id="c2933177"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; margin: 0"><div style="display: inline; font-style: italic;">Inventory</div></div><div style=" font-size: 10pt; text-align: justify; margin: 0">&nbsp;</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">Inventory consists of used vehicles and is valued at the lower of cost or market on a specific identification basis. Vehicle reconditioning costs are capitalized as a component of inventory. Repossessed vehicles and trade-in vehicles are recorded at fair value, which approximates wholesale value. The cost of used vehicles sold is determined using the specific identification method.</div></div></div></div></us-gaap:InventoryPolicyTextBlock>
<us-gaap:LateFeeIncomeGeneratedByServicingFinancialAssetsAmount contextRef="d_2015-05-01_2015-10-31" decimals="INF" id="c2909078" unitRef="iso4217-usd">996000</us-gaap:LateFeeIncomeGeneratedByServicingFinancialAssetsAmount>
<us-gaap:LateFeeIncomeGeneratedByServicingFinancialAssetsAmount contextRef="d_2014-05-01_2014-10-31" decimals="INF" id="c2909079" unitRef="iso4217-usd">1100000</us-gaap:LateFeeIncomeGeneratedByServicingFinancialAssetsAmount>
<us-gaap:LettersOfCreditOutstandingAmount contextRef="i_2015-10-31" decimals="-6" id="c2909261" unitRef="iso4217-usd">1000000</us-gaap:LettersOfCreditOutstandingAmount>
<us-gaap:Liabilities contextRef="i_2015-10-31" decimals="-3" id="c2908613" unitRef="iso4217-usd">172554000</us-gaap:Liabilities>
<us-gaap:Liabilities contextRef="i_2015-04-30" decimals="-3" id="c2908614" unitRef="iso4217-usd">170829000</us-gaap:Liabilities>
<us-gaap:LiabilitiesAndStockholdersEquity contextRef="i_2015-10-31" decimals="-3" id="c2908636" unitRef="iso4217-usd">403663000</us-gaap:LiabilitiesAndStockholdersEquity>
<us-gaap:LiabilitiesAndStockholdersEquity contextRef="i_2015-04-30" decimals="-3" id="c2908637" unitRef="iso4217-usd">400361000</us-gaap:LiabilitiesAndStockholdersEquity>
<us-gaap:LineOfCredit contextRef="i_2015-10-31" decimals="-3" id="c2908611" unitRef="iso4217-usd">104424000</us-gaap:LineOfCredit>
<us-gaap:LineOfCredit contextRef="i_2015-04-30" decimals="-3" id="c2908612" unitRef="iso4217-usd">102685000</us-gaap:LineOfCredit>
<us-gaap:LineOfCreditFacilityExpirationDate1 contextRef="d_2013-06-24_2013-06-24_CreditFacilityAxis-RevolvingCreditFacilityMember" id="c2909303">2016-06-24</us-gaap:LineOfCreditFacilityExpirationDate1>
<us-gaap:LineOfCreditFacilityExpirationDate1 contextRef="d_2014-10-08_2014-10-08_CreditFacilityAxis-RevolvingCreditFacilityMember_LongtermDebtTypeAxis-CreditFacilitiesAmendmentNumber5Member" id="c2909304">2017-10-08</us-gaap:LineOfCreditFacilityExpirationDate1>
<us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity contextRef="i_2012-03-09_CreditFacilityAxis-RevolvingCreditFacilityMember" decimals="INF" id="c2909138" unitRef="iso4217-usd">125000000</us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity>
<us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity contextRef="i_2012-09-30_CreditFacilityAxis-RevolvingCreditFacilityMember" decimals="INF" id="c2909141" unitRef="iso4217-usd">145000000</us-gaap:LineOfCreditFacilityMaximumBorrowingCapacity>
<us-gaap:LineOfCreditFacilityRemainingBorrowingCapacity contextRef="i_2015-10-31_CreditFacilityAxis-RevolvingCreditFacilityMember" decimals="INF" id="c2909170" unitRef="iso4217-usd">38100000</us-gaap:LineOfCreditFacilityRemainingBorrowingCapacity>
<us-gaap:LinesOfCreditFairValueDisclosure contextRef="i_2015-10-31_FairValueByMeasurementBasisAxis-CarryingReportedAmountFairValueDisclosureMember" decimals="-3" id="c2908957" unitRef="iso4217-usd">104424000</us-gaap:LinesOfCreditFairValueDisclosure>
<us-gaap:LinesOfCreditFairValueDisclosure contextRef="i_2015-10-31_FairValueByMeasurementBasisAxis-EstimateOfFairValueFairValueDisclosureMember" decimals="-3" id="c2908958" unitRef="iso4217-usd">104424000</us-gaap:LinesOfCreditFairValueDisclosure>
<us-gaap:LinesOfCreditFairValueDisclosure contextRef="i_2015-04-30_FairValueByMeasurementBasisAxis-CarryingReportedAmountFairValueDisclosureMember" decimals="-3" id="c2908959" unitRef="iso4217-usd">102685000</us-gaap:LinesOfCreditFairValueDisclosure>
<us-gaap:LinesOfCreditFairValueDisclosure contextRef="i_2015-04-30_FairValueByMeasurementBasisAxis-EstimateOfFairValueFairValueDisclosureMember" decimals="-3" id="c2908960" unitRef="iso4217-usd">102685000</us-gaap:LinesOfCreditFairValueDisclosure>
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<us-gaap:LoansReceivableFairValueDisclosure contextRef="i_2015-10-31_FairValueByMeasurementBasisAxis-EstimateOfFairValueFairValueDisclosureMember" decimals="-3" id="c2908950" unitRef="iso4217-usd">263012000</us-gaap:LoansReceivableFairValueDisclosure>
<us-gaap:LoansReceivableFairValueDisclosure contextRef="i_2015-04-30_FairValueByMeasurementBasisAxis-CarryingReportedAmountFairValueDisclosureMember" decimals="-3" id="c2908951" unitRef="iso4217-usd">324144000</us-gaap:LoansReceivableFairValueDisclosure>
<us-gaap:LoansReceivableFairValueDisclosure contextRef="i_2015-04-30_FairValueByMeasurementBasisAxis-EstimateOfFairValueFairValueDisclosureMember" decimals="-3" id="c2908952" unitRef="iso4217-usd">256681000</us-gaap:LoansReceivableFairValueDisclosure>
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<us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908784" unitRef="iso4217-usd">-2125000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
<us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908785" unitRef="iso4217-usd">1258000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
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<us-gaap:NetCashProvidedByUsedInInvestingActivities contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908764" unitRef="iso4217-usd">-1843000</us-gaap:NetCashProvidedByUsedInInvestingActivities>
<us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908756" unitRef="iso4217-usd">5643000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
<us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908757" unitRef="iso4217-usd">553000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
<us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted contextRef="d_2015-08-01_2015-10-31" decimals="-3" id="c2908696" unitRef="iso4217-usd">-495000</us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted>
<us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted contextRef="d_2014-08-01_2014-10-31" decimals="-3" id="c2908697" unitRef="iso4217-usd">7509000</us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted>
<us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908698" unitRef="iso4217-usd">4112000</us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted>
<us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908699" unitRef="iso4217-usd">14759000</us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted>
<us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock contextRef="d_2015-05-01_2015-10-31" id="c2933192"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Recent Accounting Pronouncements</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">&nbsp;</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Occasionally, new accounting pronouncements are issued by the Financial Accounting Standards Board (&#x201c;FASB&#x201d;) or other standard setting bodies which the Company adopts as of the specified effective date. Unless otherwise discussed, the Company believes the impact of recently issued standards which are not yet effective will not have a material impact on its consolidated financial statements upon adoption.</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">&nbsp;</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"><div style="display: inline; font-style: italic;">Revenue Recognition</div>. In May 2014, the FASB issued ASU 2014-09, <div style="display: inline; font-style: italic;">Revenue from Contracts with Customers</div> (Topic 606), which supersedes existing revenue recognition guidance. The new guidance in ASU 2014-09 is based on the principle that revenue is recognized to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. ASU 2014-09 also requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract. In August 2015, the FASB issued ASU 2015-14, <div style="display: inline; font-style: italic;">Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date</div>, to provide entities with an additional year to implement ASU 2014-09. As a result, the guidance in ASU 2014-09 is effective for annual and interim reporting periods beginning after December 15, 2017, using one of two retrospective application methods. The Company is currently evaluating the potential effects of the adoption of this update on the consolidated financial statements.</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">&nbsp;</div><div style=" font-size: 10pt; text-align: justify; text-indent: 13.5pt; margin: 0"><div style="display: inline; font-style: italic;">Debt Issuance Costs</div>.&nbsp; In April 2015, the FASB issued ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs, which amends the current presentation of debt issuance costs in the financial statements. ASU 2015-03 requires that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts, instead&nbsp;of as an asset. The amendments are to be applied retrospectively and are effective for interim and annual periods beginning after December 15, 2015. &nbsp;The adoption of the new guidance is not expected to have a material impact on the Company&#x2019;s consolidated financial statements.</div></div></div></div></us-gaap:NewAccountingPronouncementsPolicyPolicyTextBlock>
<us-gaap:NotesReceivableGross contextRef="i_2015-10-31" decimals="-3" id="c2908821" unitRef="iso4217-usd">488424000</us-gaap:NotesReceivableGross>
<us-gaap:NotesReceivableGross contextRef="i_2015-04-30" decimals="-3" id="c2908822" unitRef="iso4217-usd">477305000</us-gaap:NotesReceivableGross>
<us-gaap:NotesReceivableNet contextRef="i_2015-10-31" decimals="-3" id="c2908585" unitRef="iso4217-usd">327229000</us-gaap:NotesReceivableNet>
<us-gaap:NotesReceivableNet contextRef="i_2015-04-30" decimals="-3" id="c2908586" unitRef="iso4217-usd">324144000</us-gaap:NotesReceivableNet>
<us-gaap:NotesReceivableNet contextRef="i_2014-04-30" decimals="-3" id="c2908832" unitRef="iso4217-usd">293299000</us-gaap:NotesReceivableNet>
<us-gaap:NotesReceivableNet contextRef="i_2014-10-31" decimals="-3" id="c2908844" unitRef="iso4217-usd">319040000</us-gaap:NotesReceivableNet>
<us-gaap:NumberOfReportableSegments contextRef="d_2015-05-01_2015-10-31" decimals="INF" id="c2909019" unitRef="xbrli-pure">1</us-gaap:NumberOfReportableSegments>
<us-gaap:NumberOfStores contextRef="i_2015-10-31" decimals="INF" id="c2909012" unitRef="xbrli-pure">145</us-gaap:NumberOfStores>
<us-gaap:OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock contextRef="d_2015-05-01_2015-10-31" id="s107487"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-ALIGN: justify; MARGIN: 0px">A &#x2013; Organization and Business</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">America&#x2019;s Car-Mart, Inc., a Texas corporation (the &#x201c;Company&#x201d;), is one of the largest publicly held automotive retailers in the United States focused exclusively on the &#x201c;Integrated Auto Sales and Finance&#x201d; segment of the used car market. References to the Company typically include the Company&#x2019;s consolidated subsidiaries. The Company&#x2019;s operations are principally conducted through its two operating subsidiaries, America&#x2019;s Car Mart, Inc., an Arkansas corporation (&#x201c;Car-Mart of Arkansas&#x201d;), and Colonial Auto Finance, Inc., an Arkansas corporation (&#x201c;Colonial&#x201d;). Collectively, Car-Mart of Arkansas and Colonial are referred to herein as &#x201c;Car-Mart.&#x201d; The Company primarily sells older model used vehicles and provides financing for substantially all of its customers. Many of the Company&#x2019;s customers have limited financial resources and would not qualify for conventional financing as a result of limited credit histories or past credit problems. As of October 31, 2015, the Company operated 145 dealerships located primarily in small cities throughout the South-Central United States.</div></div></us-gaap:OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock>
<us-gaap:OtherAccruedLiabilitiesCurrentAndNoncurrent contextRef="i_2015-10-31" decimals="-3" id="c2908917" unitRef="iso4217-usd">4521000</us-gaap:OtherAccruedLiabilitiesCurrentAndNoncurrent>
<us-gaap:OtherAccruedLiabilitiesCurrentAndNoncurrent contextRef="i_2015-04-30" decimals="-3" id="c2908918" unitRef="iso4217-usd">4405000</us-gaap:OtherAccruedLiabilitiesCurrentAndNoncurrent>
<us-gaap:OtherLiabilitiesDisclosureTextBlock contextRef="d_2015-05-01_2015-10-31" id="s107500"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;">E &#x2013; Accrued Liabilities</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px; TEXT-INDENT: 9pt">A summary of accrued liabilities is as follows:</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px; TEXT-INDENT: 9pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">April 30, 2015</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Employee compensation</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">3,783</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">3,954</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Cash overdrafts (see Note B)</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1,227</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1,587</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Deferred sales tax (see Note B)</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,773</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,762</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">Other</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">4,521</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">4,405</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">Total</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">12,304</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">12,708</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> </tr> </table> </div></div></us-gaap:OtherLiabilitiesDisclosureTextBlock>
<us-gaap:PastDueFinancingReceivablesTableTextBlock contextRef="d_2015-05-01_2015-10-31" id="c-21"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(Dollars in thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">October 31, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">April 30, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">October 31, 2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;<br />&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;<br />&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Principal<br />Balance</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;<br />&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Percent of<br />Portfolio</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;<br />&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Principal<br />Balance</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;<br />&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Percent of<br />Portfolio</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;<br />&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Principal<br />Balance</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;<br />&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Percent of<br />Portfolio</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 22%">Current</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">365,346</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">85.44</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">329,329</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">78.91</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">341,555</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">83.00</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">3 - 29 days past due</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">47,406</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11.08</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">64,004</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">15.33</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">51,990</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">12.63</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">30 - 60 days past due</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">10,320</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2.41</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">12,777</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">3.06</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">12,002</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2.92</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">61 - 90 days past due</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,914</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">0.68</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">8,463</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2.03</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">3,986</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">0.97</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">&gt; 90 days past due</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">1,677</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">0.39</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">2,795</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">0.67</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">1,967</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">0.48</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt; TEXT-INDENT: 20pt">Total</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">427,663</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">100.00</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">417,368</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">100.00</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">411,500</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">100.00</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">%</td> </tr> </table></div></us-gaap:PastDueFinancingReceivablesTableTextBlock>
<us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908772" unitRef="iso4217-usd">3989000</us-gaap:PaymentsForRepurchaseOfCommonStock>
<us-gaap:PaymentsForRepurchaseOfCommonStock contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908773" unitRef="iso4217-usd">10277000</us-gaap:PaymentsForRepurchaseOfCommonStock>
<us-gaap:PaymentsOfDebtIssuanceCosts contextRef="d_2015-05-01_2015-10-31" id="c2908776" unitRef="iso4217-usd" xs:nil="true"/>
<us-gaap:PaymentsOfDebtIssuanceCosts contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908777" unitRef="iso4217-usd">250000</us-gaap:PaymentsOfDebtIssuanceCosts>
<us-gaap:PaymentsOfDividends contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908774" unitRef="iso4217-usd">20000</us-gaap:PaymentsOfDividends>
<us-gaap:PaymentsOfDividends contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908775" unitRef="iso4217-usd">20000</us-gaap:PaymentsOfDividends>
<us-gaap:PaymentsToAcquirePropertyPlantAndEquipment contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908759" unitRef="iso4217-usd">2922000</us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>
<us-gaap:PaymentsToAcquirePropertyPlantAndEquipment contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908760" unitRef="iso4217-usd">1863000</us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>
<us-gaap:PreferredStockParOrStatedValuePerShare contextRef="i_2015-10-31" decimals="INF" id="c2909264" unitRef="iso4217-usd-per-xbrli-shares">0.01</us-gaap:PreferredStockParOrStatedValuePerShare>
<us-gaap:PreferredStockParOrStatedValuePerShare contextRef="i_2015-04-30" decimals="INF" id="c2909265" unitRef="iso4217-usd-per-xbrli-shares">0.01</us-gaap:PreferredStockParOrStatedValuePerShare>
<us-gaap:PreferredStockSharesAuthorized contextRef="i_2015-10-31" decimals="INF" id="c2909266" unitRef="xbrli-shares">1000000</us-gaap:PreferredStockSharesAuthorized>
<us-gaap:PreferredStockSharesAuthorized contextRef="i_2015-04-30" decimals="INF" id="c2909267" unitRef="xbrli-shares">1000000</us-gaap:PreferredStockSharesAuthorized>
<us-gaap:PreferredStockSharesIssued contextRef="i_2015-10-31" decimals="INF" id="c2909268" unitRef="xbrli-shares">0</us-gaap:PreferredStockSharesIssued>
<us-gaap:PreferredStockSharesIssued contextRef="i_2015-04-30" decimals="INF" id="c2909269" unitRef="xbrli-shares">0</us-gaap:PreferredStockSharesIssued>
<us-gaap:PreferredStockSharesOutstanding contextRef="i_2015-10-31" decimals="INF" id="c2909270" unitRef="xbrli-shares">0</us-gaap:PreferredStockSharesOutstanding>
<us-gaap:PreferredStockSharesOutstanding contextRef="i_2015-04-30" decimals="INF" id="c2909271" unitRef="xbrli-shares">0</us-gaap:PreferredStockSharesOutstanding>
<us-gaap:PreferredStockValue contextRef="i_2015-10-31" id="c2908620" unitRef="iso4217-usd" xs:nil="true"/>
<us-gaap:PreferredStockValue contextRef="i_2015-04-30" id="c2908621" unitRef="iso4217-usd" xs:nil="true"/>
<us-gaap:PrepaidExpenseAndOtherAssets contextRef="i_2015-10-31" decimals="-3" id="c2908589" unitRef="iso4217-usd">3673000</us-gaap:PrepaidExpenseAndOtherAssets>
<us-gaap:PrepaidExpenseAndOtherAssets contextRef="i_2015-04-30" decimals="-3" id="c2908590" unitRef="iso4217-usd">4195000</us-gaap:PrepaidExpenseAndOtherAssets>
<us-gaap:ProceedsFromCollectionOfFinanceReceivables contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908738" unitRef="iso4217-usd">117593000</us-gaap:ProceedsFromCollectionOfFinanceReceivables>
<us-gaap:ProceedsFromCollectionOfFinanceReceivables contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908739" unitRef="iso4217-usd">111000000</us-gaap:ProceedsFromCollectionOfFinanceReceivables>
<us-gaap:ProceedsFromIssuanceOfCommonStock contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908770" unitRef="iso4217-usd">69000</us-gaap:ProceedsFromIssuanceOfCommonStock>
<us-gaap:ProceedsFromIssuanceOfCommonStock contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908771" unitRef="iso4217-usd">78000</us-gaap:ProceedsFromIssuanceOfCommonStock>
<us-gaap:ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908766" unitRef="iso4217-usd">245000</us-gaap:ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions>
<us-gaap:ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908767" unitRef="iso4217-usd">1545000</us-gaap:ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions>
<us-gaap:ProceedsFromLinesOfCredit contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908780" unitRef="iso4217-usd">170341000</us-gaap:ProceedsFromLinesOfCredit>
<us-gaap:ProceedsFromLinesOfCredit contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908781" unitRef="iso4217-usd">178690000</us-gaap:ProceedsFromLinesOfCredit>
<us-gaap:ProceedsFromRepaymentsOfBankOverdrafts contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908778" unitRef="iso4217-usd">-360000</us-gaap:ProceedsFromRepaymentsOfBankOverdrafts>
<us-gaap:ProceedsFromRepaymentsOfBankOverdrafts contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908779" unitRef="iso4217-usd">-77000</us-gaap:ProceedsFromRepaymentsOfBankOverdrafts>
<us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment contextRef="d_2015-05-01_2015-10-31" id="c2908761" unitRef="iso4217-usd" xs:nil="true"/>
<us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908762" unitRef="iso4217-usd">20000</us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment>
<us-gaap:ProceedsFromStockOptionsExercised contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908998" unitRef="iso4217-usd">245000</us-gaap:ProceedsFromStockOptionsExercised>
<us-gaap:ProceedsFromStockOptionsExercised contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908999" unitRef="iso4217-usd">1546000</us-gaap:ProceedsFromStockOptionsExercised>
<us-gaap:ProfitLoss contextRef="d_2015-08-01_2015-10-31" decimals="-3" id="c2908688" unitRef="iso4217-usd">-485000</us-gaap:ProfitLoss>
<us-gaap:ProfitLoss contextRef="d_2014-08-01_2014-10-31" decimals="-3" id="c2908689" unitRef="iso4217-usd">7519000</us-gaap:ProfitLoss>
<us-gaap:ProfitLoss contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908690" unitRef="iso4217-usd">4132000</us-gaap:ProfitLoss>
<us-gaap:ProfitLoss contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908691" unitRef="iso4217-usd">14779000</us-gaap:ProfitLoss>
<us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock contextRef="d_2015-05-01_2015-10-31" id="s107498"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN: 0px">D &#x2013; Property and Equipment</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">A summary of property and equipment is as follows:</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">April 30, 2015</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%">Land</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">6,245</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">6,245</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Buildings and improvements</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,661</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,509</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Furniture, fixtures and equipment</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">13,838</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">13,486</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Leasehold improvements</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">21,891</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">21,023</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Construction in progress</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,240</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1,235</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Less accumulated depreciation and amortization</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(21,057</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(19,535</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">Total</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">34,818</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">33,963</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> </tr> </table> </div></div></us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2015-10-31_PropertyPlantAndEquipmentByTypeAxis-LandMember" decimals="-3" id="c2908897" unitRef="iso4217-usd">6245000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2015-04-30_PropertyPlantAndEquipmentByTypeAxis-LandMember" decimals="-3" id="c2908898" unitRef="iso4217-usd">6245000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2015-10-31_PropertyPlantAndEquipmentByTypeAxis-BuildingAndBuildingImprovementsMember" decimals="-3" id="c2908899" unitRef="iso4217-usd">11661000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2015-04-30_PropertyPlantAndEquipmentByTypeAxis-BuildingAndBuildingImprovementsMember" decimals="-3" id="c2908900" unitRef="iso4217-usd">11509000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2015-10-31_PropertyPlantAndEquipmentByTypeAxis-FurnitureFixturesAndEquipmentMember" decimals="-3" id="c2908901" unitRef="iso4217-usd">13838000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2015-04-30_PropertyPlantAndEquipmentByTypeAxis-FurnitureFixturesAndEquipmentMember" decimals="-3" id="c2908902" unitRef="iso4217-usd">13486000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2015-10-31_PropertyPlantAndEquipmentByTypeAxis-LeaseholdImprovementsMember" decimals="-3" id="c2908903" unitRef="iso4217-usd">21891000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2015-04-30_PropertyPlantAndEquipmentByTypeAxis-LeaseholdImprovementsMember" decimals="-3" id="c2908904" unitRef="iso4217-usd">21023000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2015-10-31_PropertyPlantAndEquipmentByTypeAxis-ConstructionInProgressMember" decimals="-3" id="c2908905" unitRef="iso4217-usd">2240000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentGross contextRef="i_2015-04-30_PropertyPlantAndEquipmentByTypeAxis-ConstructionInProgressMember" decimals="-3" id="c2908906" unitRef="iso4217-usd">1235000</us-gaap:PropertyPlantAndEquipmentGross>
<us-gaap:PropertyPlantAndEquipmentNet contextRef="i_2015-10-31" decimals="-3" id="c2908595" unitRef="iso4217-usd">34818000</us-gaap:PropertyPlantAndEquipmentNet>
<us-gaap:PropertyPlantAndEquipmentNet contextRef="i_2015-04-30" decimals="-3" id="c2908596" unitRef="iso4217-usd">33963000</us-gaap:PropertyPlantAndEquipmentNet>
<us-gaap:PropertyPlantAndEquipmentPolicyTextBlock contextRef="d_2015-05-01_2015-10-31" id="c2933179"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Property and Equipment</div><div style=" font-size: 10pt; text-align: justify; margin: 0"><div style="display: inline; font-style: italic;">&nbsp;</div></div><div style=" font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0 0 12pt">Property and equipment are stated at cost. Expenditures for additions, remodels and improvements are capitalized. Costs of repairs and maintenance are expensed as incurred. Leasehold improvements are amortized over the shorter of the estimated life of the improvement or the lease period. The lease period includes the primary lease term plus any extensions that are reasonably assured. Depreciation is computed principally using the straight-line method generally over the following estimated useful lives:</div><div> <table cellspacing="0" cellpadding="0" style="; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 700px;"> <tr style="vertical-align: top"> <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; layout-grid-mode: line"><div style="display: inline; font: 10pt Times New Roman, Times, Serif">Furniture, fixtures and equipment (years)</div></td> <td style="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: right; layout-grid-mode: line"><div style="display: inline; font-family: Times New Roman, Times, Serif; font-weight: normal">3</div></td> <td style="width: 3%; text-align: center">to</td> <td style="width: 3%"> 7</td> <td style="width: 48%">&nbsp;</td> </tr> <tr style="vertical-align: top"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><div style="display: inline; font-family: Times New Roman, Times, Serif">Leasehold improvements</div> (years)</td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: right; layout-grid-mode: line"><div style="display: inline; font-family: Times New Roman, Times, Serif; font-weight: normal">5</div></td> <td style="text-align: center">to</td> <td> 15</td> <td>&nbsp;</td> </tr> <tr style="vertical-align: top"> <td style="padding-right: 5.4pt; padding-left: 5.4pt; layout-grid-mode: line"><div style="display: inline; font: 10pt Times New Roman, Times, Serif">Buildings and improvements</div> (years)</td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: right; layout-grid-mode: line"><div style="display: inline; font-family: Times New Roman, Times, Serif; font-weight: normal">18</div></td> <td style="text-align: center">to</td> <td> 39</td> <td>&nbsp;</td> </tr> </table> </div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 12pt">Property and equipment are reviewed for impairment whenever events or changes in circumstances indicate the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to future undiscounted net cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying values of the impaired assets exceed the fair value of such assets. Assets to be disposed of are reported at the lower of the carrying amount or fair value less costs to sell.</div></div></div></div></us-gaap:PropertyPlantAndEquipmentPolicyTextBlock>
<us-gaap:PropertyPlantAndEquipmentTextBlock contextRef="d_2015-05-01_2015-10-31" id="c-24"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">April 30, 2015</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%">Land</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">6,245</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">6,245</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Buildings and improvements</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,661</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,509</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Furniture, fixtures and equipment</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">13,838</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">13,486</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Leasehold improvements</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">21,891</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">21,023</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Construction in progress</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,240</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1,235</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Less accumulated depreciation and amortization</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(21,057</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(19,535</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">Total</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">34,818</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">33,963</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> </tr> </table></div></us-gaap:PropertyPlantAndEquipmentTextBlock>
<us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="d_2015-05-01_2015-10-31_PropertyPlantAndEquipmentByTypeAxis-FurnitureFixturesAndEquipmentMember_RangeAxis-MinimumMember" id="c2908792">P3Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
<us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="d_2015-05-01_2015-10-31_PropertyPlantAndEquipmentByTypeAxis-FurnitureFixturesAndEquipmentMember_RangeAxis-MaximumMember" id="c2908794">P7Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
<us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="d_2015-05-01_2015-10-31_PropertyPlantAndEquipmentByTypeAxis-LeaseholdImprovementsMember_RangeAxis-MinimumMember" id="c2908795">P5Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
<us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="d_2015-05-01_2015-10-31_PropertyPlantAndEquipmentByTypeAxis-LeaseholdImprovementsMember_RangeAxis-MaximumMember" id="c2908797">P15Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
<us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="d_2015-05-01_2015-10-31_PropertyPlantAndEquipmentByTypeAxis-BuildingAndBuildingImprovementsMember_RangeAxis-MinimumMember" id="c2908798">P18Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
<us-gaap:PropertyPlantAndEquipmentUsefulLife contextRef="d_2015-05-01_2015-10-31_PropertyPlantAndEquipmentByTypeAxis-BuildingAndBuildingImprovementsMember_RangeAxis-MaximumMember" id="c2908800">P39Y</us-gaap:PropertyPlantAndEquipmentUsefulLife>
<us-gaap:ProvisionForLoanLossesExpensed contextRef="d_2015-08-01_2015-10-31" decimals="-3" id="c2908660" unitRef="iso4217-usd">38094000</us-gaap:ProvisionForLoanLossesExpensed>
<us-gaap:ProvisionForLoanLossesExpensed contextRef="d_2014-08-01_2014-10-31" decimals="-3" id="c2908661" unitRef="iso4217-usd">31371000</us-gaap:ProvisionForLoanLossesExpensed>
<us-gaap:ProvisionForLoanLossesExpensed contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908662" unitRef="iso4217-usd">73439000</us-gaap:ProvisionForLoanLossesExpensed>
<us-gaap:ProvisionForLoanLossesExpensed contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908663" unitRef="iso4217-usd">59247000</us-gaap:ProvisionForLoanLossesExpensed>
<us-gaap:RepaymentsOfLinesOfCredit contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908782" unitRef="iso4217-usd">168602000</us-gaap:RepaymentsOfLinesOfCredit>
<us-gaap:RepaymentsOfLinesOfCredit contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908783" unitRef="iso4217-usd">168975000</us-gaap:RepaymentsOfLinesOfCredit>
<us-gaap:RetainedEarningsAccumulatedDeficit contextRef="i_2015-10-31" decimals="-3" id="c2908626" unitRef="iso4217-usd">297910000</us-gaap:RetainedEarningsAccumulatedDeficit>
<us-gaap:RetainedEarningsAccumulatedDeficit contextRef="i_2015-04-30" decimals="-3" id="c2908627" unitRef="iso4217-usd">293798000</us-gaap:RetainedEarningsAccumulatedDeficit>
<us-gaap:RevenueRecognitionPolicyTextBlock contextRef="d_2015-05-01_2015-10-31" id="c2933183"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Revenue Recognition</div><div style=" font-size: 10pt; text-align: justify; margin: 0">&nbsp;</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0 0 12pt">Revenues are generated principally from the sale of used vehicles, which in most cases includes a service contract and a payment protection plan product, interest income and late fees earned on finance receivables. Revenues are net of taxes collected from customers and remitted to government agencies. Cost of vehicle sales include costs incurred by the Company to prepare the vehicle for sale including license and title costs, gasoline, transport services and repairs.</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0 0 12pt">Revenues from the sale of used vehicles are recognized when the sales contract is signed, the customer has taken possession of the vehicle and, if applicable, financing has been approved. Revenues from the sale of vehicles sold at wholesale are recognized at the time the proceeds are received. Revenues from the sale of service contracts are recognized ratably over the expected duration of the product. Service contract revenues are included in sales and the related expenses are included in cost of sales. Payment protection plan revenues are initially deferred and then recognized to income using the &#x201c;Rule of 78&#x2019;s&#x201d; interest method over the life of the contract so that revenues are recognized in proportion to the amount of cancellation protection provided. Payment protection plan revenues are included in sales and related losses are included in cost of sales as incurred. Interest income is recognized on all active finance receivable accounts using the simple effective interest method. Active accounts include all accounts except those that have been paid-off or charged-off.</div><div style=" font-size: 10pt; margin: 0">Sales consist of the following:</div><div style=" font-size: 10pt; text-align: center; margin: 0; color: Red"><div style="display: inline; font-weight: bold;">&nbsp;</div></div><div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: center"></td> <td style="font-size: 10pt">&nbsp;</td> <td colspan="7" style="font-size: 10pt; text-align: center">Three Months Ended<br /> October 31,</td> <td>&nbsp;</td> <td colspan="7" style="font-size: 10pt; text-align: center">Six Months Ended<br /> October 31,</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-style: italic; border-bottom: Black 1pt solid">(In thousands)</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid">&nbsp;</td> <td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; font-size: 10pt; text-align: left">Sales &#x2013; used autos</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right">98,836</td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right">106,914</td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right">208,094</td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> <td style="width: 1%; font-size: 10pt">&nbsp;</td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right">208,037</td> <td style="width: 1%; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Wholesales &#x2013; third party</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">6,172</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">4,763</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">11,842</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">9,559</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Service contract sales</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">6,731</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">3,988</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">13,543</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt">&nbsp;</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; text-align: right">7,983</td> <td style="font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Payment protection plan revenue</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">5,931</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">3,770</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">11,786</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 1pt">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">7,315</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">&nbsp;</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-bottom: 2.25pt">Total</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">117,670</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">119,435</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">245,265</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> <td style="font-size: 10pt; padding-bottom: 2.25pt">&nbsp;</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">232,894</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">&nbsp;</td> </tr> </table> </div><div style=" font-size: 10pt; text-align: center; margin: 0; color: Red"><div style="display: inline; font-weight: bold;">&nbsp;</div></div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">At October 31, 2015 and 2014, finance receivables more than 90 days past due were approximately $1.7 million and $2.0 million, respectively. Late fee revenues totaled approximately $996,000 and $1.1 million for the six months ended October 31, 2015 and 2014, respectively. Late fees are recognized when collected and are reflected in interest and other income on the Condensed Consolidated Statements of Operations.</div></div></div></div></us-gaap:RevenueRecognitionPolicyTextBlock>
<us-gaap:SalesAndExciseTaxPayableCurrentAndNoncurrent contextRef="i_2015-10-31" decimals="-3" id="c2908915" unitRef="iso4217-usd">2773000</us-gaap:SalesAndExciseTaxPayableCurrentAndNoncurrent>
<us-gaap:SalesAndExciseTaxPayableCurrentAndNoncurrent contextRef="i_2015-04-30" decimals="-3" id="c2908916" unitRef="iso4217-usd">2762000</us-gaap:SalesAndExciseTaxPayableCurrentAndNoncurrent>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2015-08-01_2015-10-31" decimals="-3" id="c2908639" unitRef="iso4217-usd">117670000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2014-08-01_2014-10-31" decimals="-3" id="c2908640" unitRef="iso4217-usd">119435000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908641" unitRef="iso4217-usd">245265000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908642" unitRef="iso4217-usd">232894000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2015-08-01_2015-10-31_ProductOrServiceAxis-SalesUsedAutosMember" decimals="-3" id="c2908801" unitRef="iso4217-usd">98836000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2014-08-01_2014-10-31_ProductOrServiceAxis-SalesUsedAutosMember" decimals="-3" id="c2908802" unitRef="iso4217-usd">106914000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2015-05-01_2015-10-31_ProductOrServiceAxis-SalesUsedAutosMember" decimals="-3" id="c2908803" unitRef="iso4217-usd">208094000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2014-05-01_2014-10-31_ProductOrServiceAxis-SalesUsedAutosMember" decimals="-3" id="c2908804" unitRef="iso4217-usd">208037000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2015-08-01_2015-10-31_ProductOrServiceAxis-WholesalesThirdPartyMember" decimals="-3" id="c2908805" unitRef="iso4217-usd">6172000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2014-08-01_2014-10-31_ProductOrServiceAxis-WholesalesThirdPartyMember" decimals="-3" id="c2908806" unitRef="iso4217-usd">4763000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2015-05-01_2015-10-31_ProductOrServiceAxis-WholesalesThirdPartyMember" decimals="-3" id="c2908807" unitRef="iso4217-usd">11842000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2014-05-01_2014-10-31_ProductOrServiceAxis-WholesalesThirdPartyMember" decimals="-3" id="c2908808" unitRef="iso4217-usd">9559000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2015-08-01_2015-10-31_ProductOrServiceAxis-ServiceContractSalesMember" decimals="-3" id="c2908809" unitRef="iso4217-usd">6731000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2014-08-01_2014-10-31_ProductOrServiceAxis-ServiceContractSalesMember" decimals="-3" id="c2908810" unitRef="iso4217-usd">3988000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2015-05-01_2015-10-31_ProductOrServiceAxis-ServiceContractSalesMember" decimals="-3" id="c2908811" unitRef="iso4217-usd">13543000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2014-05-01_2014-10-31_ProductOrServiceAxis-ServiceContractSalesMember" decimals="-3" id="c2908812" unitRef="iso4217-usd">7983000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2015-08-01_2015-10-31_ProductOrServiceAxis-PaymentProtectionPlanRevenueMember" decimals="-3" id="c2908813" unitRef="iso4217-usd">5931000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2014-08-01_2014-10-31_ProductOrServiceAxis-PaymentProtectionPlanRevenueMember" decimals="-3" id="c2908814" unitRef="iso4217-usd">3770000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2015-05-01_2015-10-31_ProductOrServiceAxis-PaymentProtectionPlanRevenueMember" decimals="-3" id="c2908815" unitRef="iso4217-usd">11786000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueGoodsNet contextRef="d_2014-05-01_2014-10-31_ProductOrServiceAxis-PaymentProtectionPlanRevenueMember" decimals="-3" id="c2908816" unitRef="iso4217-usd">7315000</us-gaap:SalesRevenueGoodsNet>
<us-gaap:SalesRevenueNet contextRef="d_2015-08-01_2015-10-31" decimals="-3" id="c2908647" unitRef="iso4217-usd">133004000</us-gaap:SalesRevenueNet>
<us-gaap:SalesRevenueNet contextRef="d_2014-08-01_2014-10-31" decimals="-3" id="c2908648" unitRef="iso4217-usd">133834000</us-gaap:SalesRevenueNet>
<us-gaap:SalesRevenueNet contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908649" unitRef="iso4217-usd">275693000</us-gaap:SalesRevenueNet>
<us-gaap:SalesRevenueNet contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908650" unitRef="iso4217-usd">261210000</us-gaap:SalesRevenueNet>
<us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock contextRef="d_2015-05-01_2015-10-31" id="c-18"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">April 30, 2015</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Gross contract amount</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">488,424</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">477,305</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Less unearned finance charges</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(60,761</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(59,937</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left; TEXT-INDENT: 40pt">Principal balance</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">427,663</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">417,368</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Less allowance for credit losses</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(100,434</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(93,224</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt; TEXT-ALIGN: left">Finance receivables, net</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">327,229</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">324,144</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> </tr> </table></div></us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock>
<us-gaap:ScheduleOfAccruedLiabilitiesTableTextBlock contextRef="d_2015-05-01_2015-10-31" id="c-25"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">April 30, 2015</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Employee compensation</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">3,783</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">3,954</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Cash overdrafts (see Note B)</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1,227</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1,587</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Deferred sales tax (see Note B)</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,773</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,762</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">Other</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">4,521</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">4,405</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">Total</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">12,304</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">12,708</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> </tr> </table></div></us-gaap:ScheduleOfAccruedLiabilitiesTableTextBlock>
<us-gaap:ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock contextRef="d_2015-05-01_2015-10-31" id="c-32"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center">&nbsp;</td> <td>&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(in thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Supplemental disclosures:</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td style="TEXT-ALIGN: right">&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td style="TEXT-ALIGN: right">&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Interest paid</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">1,782</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">1,376</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Income taxes paid, net</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,990</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">5,238</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Non-cash transactions:</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td style="TEXT-ALIGN: right">&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td style="TEXT-ALIGN: right">&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Inventory acquired in repossession and payment protection plan claims</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">23,054</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">21,272</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> </table></div></us-gaap:ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock>
<us-gaap:ScheduleOfDebtInstrumentsTextBlock contextRef="d_2015-05-01_2015-10-31" id="c-26"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT: 10pt Times New Roman, Times, Serif;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic; TEXT-ALIGN: left">(In thousands)</td> <td style="BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid" colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid" colspan="3">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid" colspan="3">&nbsp;</td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="WIDTH: 45%; PADDING-BOTTOM: 1pt; TEXT-ALIGN: center">&nbsp;</td> <td style="WIDTH: 1%; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="WIDTH: 8%; TEXT-ALIGN: center">Aggregate</td> <td style="WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="WIDTH: 1%; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="WIDTH: 10%; PADDING-BOTTOM: 1pt; TEXT-ALIGN: center">Interest </td> <td style="PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">&nbsp;</td> <td style="PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">Balance at</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: center">&nbsp;</td> <td style="PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center">Amount</td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">&nbsp;</td> <td style="PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center">Rate</td> <td style="PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center">Maturity</td> <td style="PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="2" nowrap="nowrap">October 31, 2015</td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">&nbsp;</td> <td style="PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="2" nowrap="nowrap">April 30, 2015</td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="TEXT-ALIGN: left">Revolving credit facilities</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">$</td> <td style="TEXT-ALIGN: right">145,000</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td>&nbsp;</td> <td nowrap="nowrap">LIBOR + 2.375%</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: center" nowrap="nowrap">October 8, 2017</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">$</td> <td style="TEXT-ALIGN: right">104,424</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">$</td> <td style="TEXT-ALIGN: right">102,685</td> <td style="TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: left">&nbsp;</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td style="TEXT-ALIGN: center" colspan="13">(2.57% at October 31, 2015 and 2.56% at April 30, 2015)</td> <td style="TEXT-ALIGN: left">&nbsp;</td> </tr> </table></div></us-gaap:ScheduleOfDebtInstrumentsTextBlock>
<us-gaap:ScheduleOfEntityWideInformationRevenueFromExternalCustomersByProductsAndServicesTextBlock contextRef="d_2015-05-01_2015-10-31" id="c-17"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Three Months Ended<br />October 31,</td> <td>&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 48%; TEXT-ALIGN: left">Sales &#x2013; used autos</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">98,836</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">106,914</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">208,094</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">208,037</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Wholesales &#x2013; third party</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">6,172</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">4,763</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,842</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">9,559</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Service contract sales</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">6,731</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">3,988</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">13,543</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">7,983</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Payment protection plan revenue</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">5,931</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">3,770</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">11,786</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">7,315</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">Total</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">117,670</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">119,435</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">245,265</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">232,894</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> </tr> </table></div></us-gaap:ScheduleOfEntityWideInformationRevenueFromExternalCustomersByProductsAndServicesTextBlock>
<us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock contextRef="d_2015-05-01_2015-10-31" id="c-31"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(Dollars in thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Options exercised</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">17,750</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">88,750</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Cash received from option exercises</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">245</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1,546</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt">Intrinsic value of options exercised</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">690</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,129</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> </table></div></us-gaap:ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock>
<us-gaap:ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock contextRef="d_2015-05-01_2015-10-31" id="c-30"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: justify">Expected term (years)</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">5.5</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">5.3</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Risk-free interest rate</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1.58</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1.65</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Volatility</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">34</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">35</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Dividend yield</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> </table></div></us-gaap:ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock>
<us-gaap:ScheduleOfWeightedAverageNumberOfSharesTableTextBlock contextRef="d_2015-05-01_2015-10-31" id="c-28"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Three Months Ended<br />October 31,</td> <td>&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 48%">Weighted average shares outstanding-basic</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">8,471,918</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">8,604,003</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">8,492,679</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">8,660,173</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Dilutive options and restricted stock</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">418,434</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">360,942</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">422,577</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">Weighted average shares outstanding-diluted</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">8,471,918</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">9,022,437</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">8,853,621</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">9,082,750</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Antidilutive securities not included:</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td style="TEXT-ALIGN: right">&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td style="TEXT-ALIGN: right">&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td style="TEXT-ALIGN: right">&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td>&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> <td style="TEXT-ALIGN: right">&nbsp;</td> <td style="TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-INDENT: 10pt">Options</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">251,000</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">89,000</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">254,500</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">79,500</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Restricted stock</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">9,500</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">4,750</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> </table></div></us-gaap:ScheduleOfWeightedAverageNumberOfSharesTableTextBlock>
<us-gaap:SegmentReportingPolicyPolicyTextBlock contextRef="d_2015-05-01_2015-10-31" id="c2933136"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Segment Information</div><div style=" font-size: 10pt; margin: 0">&nbsp;</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0 0 12pt">Each dealership is an operating segment with its results regularly reviewed by the Company&#x2019;s chief operating decision maker in an effort to make decisions about resources to be allocated to the segment and to assess its performance. Individual dealerships meet the aggregation criteria for reporting purposes under the current accounting guidance. The Company operates in the Integrated Auto Sales and Finance segment of the used car market, also referred to as the Integrated Auto Sales and Finance industry. In this industry, the nature of the sale and the financing of the transaction, financing processes, the type of customer and the methods used to distribute the Company&#x2019;s products and services, including the actual servicing of the contracts as well as the regulatory environment in which the Company operates, all have similar characteristics. Each of our individual dealerships is similar in nature and only engages in the selling and financing of used vehicles. All individual dealerships have similar operating characteristics. As such, individual dealerships have been aggregated into one reportable segment.</div></div></div></div></us-gaap:SegmentReportingPolicyPolicyTextBlock>
<us-gaap:SellingGeneralAndAdministrativeExpense contextRef="d_2015-08-01_2015-10-31" decimals="-3" id="c2908656" unitRef="iso4217-usd">22239000</us-gaap:SellingGeneralAndAdministrativeExpense>
<us-gaap:SellingGeneralAndAdministrativeExpense contextRef="d_2014-08-01_2014-10-31" decimals="-3" id="c2908657" unitRef="iso4217-usd">20655000</us-gaap:SellingGeneralAndAdministrativeExpense>
<us-gaap:SellingGeneralAndAdministrativeExpense contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908658" unitRef="iso4217-usd">45363000</us-gaap:SellingGeneralAndAdministrativeExpense>
<us-gaap:SellingGeneralAndAdministrativeExpense contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908659" unitRef="iso4217-usd">41475000</us-gaap:SellingGeneralAndAdministrativeExpense>
<us-gaap:ShareBasedCompensation contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2908731" unitRef="iso4217-usd">949000</us-gaap:ShareBasedCompensation>
<us-gaap:ShareBasedCompensation contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2908732" unitRef="iso4217-usd">412000</us-gaap:ShareBasedCompensation>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod contextRef="d_2014-05-01_2015-04-30_AwardTypeAxis-RestrictedStockMember" decimals="INF" id="c2909306" unitRef="xbrli-shares">0</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod contextRef="d_2015-05-01_2015-10-31_AwardTypeAxis-RestrictedStockMember" decimals="INF" id="c2909307" unitRef="xbrli-shares">0</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber contextRef="i_2015-10-31_AwardTypeAxis-RestrictedStockMember" decimals="INF" id="c2909246" unitRef="xbrli-shares">9500</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue contextRef="i_2015-10-31_AwardTypeAxis-RestrictedStockMember" decimals="INF" id="c2909248" unitRef="iso4217-usd-per-xbrli-shares">52.10</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationDate contextRef="d_2015-05-01_2015-10-31_PlanNameAxis-NineteenNinetySevenPlanMember" id="c2908984">2017-07-02</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationDate>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationDate contextRef="d_2015-05-01_2015-10-31_PlanNameAxis-RestatedOptionPlanMember" id="c2908985">2025-08-05</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationDate>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate contextRef="d_2015-05-01_2015-10-31" id="c2908994" unitRef="xbrli-pure" xs:nil="true"/>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate contextRef="d_2014-05-01_2014-10-31" id="c2908995" unitRef="xbrli-pure" xs:nil="true"/>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate contextRef="d_2015-05-01_2015-10-31" decimals="4" id="c2908992" unitRef="xbrli-pure">0.34</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate contextRef="d_2014-05-01_2014-10-31" decimals="4" id="c2908993" unitRef="xbrli-pure">0.35</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate contextRef="d_2015-05-01_2015-10-31" decimals="4" id="c2908990" unitRef="xbrli-pure">0.0158</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate contextRef="d_2014-05-01_2014-10-31" decimals="4" id="c2908991" unitRef="xbrli-pure">0.0165</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized contextRef="i_2009-10-13_PlanNameAxis-StockIncentivePlanMember" decimals="INF" id="c2909238" unitRef="xbrli-shares">150000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized contextRef="i_2009-10-14_PlanNameAxis-StockIncentivePlanMember" decimals="INF" id="c2909239" unitRef="xbrli-shares">350000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant contextRef="i_2015-10-31_PlanNameAxis-NineteenNinetySevenPlanMember" decimals="INF" id="c2909305" unitRef="xbrli-shares">0</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant contextRef="i_2015-10-31_AwardTypeAxis-RestrictedStockMember" decimals="INF" id="c2909245" unitRef="xbrli-shares">177527</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant contextRef="i_2015-10-31_PlanNameAxis-RestatedOptionPlanMember" decimals="INF" id="c2908987" unitRef="xbrli-shares">322250</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue contextRef="d_2015-05-01_2015-10-31" decimals="-3" id="c2909000" unitRef="iso4217-usd">690000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue contextRef="d_2014-05-01_2014-10-31" decimals="-3" id="c2909001" unitRef="iso4217-usd">2129000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross contextRef="d_2015-05-01_2015-10-31_AwardTypeAxis-EmployeeStockOptionMember" decimals="INF" id="c2909208" unitRef="xbrli-shares">298750</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross contextRef="d_2014-05-01_2014-10-31_AwardTypeAxis-EmployeeStockOptionMember" decimals="INF" id="c2909209" unitRef="xbrli-shares">44000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross contextRef="d_2015-05-01_2015-05-31_AwardTypeAxis-PerformanceSharesMember" decimals="INF" id="c2909224" unitRef="xbrli-shares">104250</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross contextRef="d_2015-08-01_2015-08-31_AwardTypeAxis-PerformanceSharesMember" decimals="INF" id="c2909226" unitRef="xbrli-shares">40000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue contextRef="i_2015-10-31" decimals="INF" id="c2909231" unitRef="iso4217-usd">11200000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue contextRef="i_2014-10-31" decimals="INF" id="c2909232" unitRef="iso4217-usd">24800000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableAggregateIntrinsicValue contextRef="i_2015-10-31" decimals="INF" id="c2909235" unitRef="iso4217-usd">11200000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableAggregateIntrinsicValue>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber contextRef="i_2015-10-31" decimals="INF" id="c2909234" unitRef="xbrli-shares">917000</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber>
<us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice contextRef="i_2015-10-31" decimals="INF" id="c2909237" unitRef="iso4217-usd-per-xbrli-shares">23.17</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice>
<us-gaap:ShareBasedCompensationOptionAndIncentivePlansPolicy contextRef="d_2015-05-01_2015-10-31" id="c2933185"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Stock-Based Compensation</div><div style=" font-size: 10pt; margin: 0">&nbsp;</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company recognizes the cost of employee services received in exchange for awards of equity instruments, such as stock options and restricted stock, based on the fair value of those awards at the date of grant over the requisite service period. The Company uses the Black-Scholes option pricing model to determine the fair value of stock option awards. The Company may issue either new shares or treasury shares upon exercise of these awards. Stock-based compensation plans, related expenses and assumptions used in the Black-Scholes option pricing model are more fully described in Note I. If an award contains a performance condition, expense is recognized only for those shares for which it is considered reasonably probable as of the current period end that the performance condition will be met.</div></div></div></div></us-gaap:ShareBasedCompensationOptionAndIncentivePlansPolicy>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod contextRef="d_2015-05-01_2015-10-31_AwardTypeAxis-EmployeeStockOptionMember_PlanNameAxis-RestatedOptionPlanMember" id="c2909204">P10Y</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod contextRef="d_2015-05-01_2015-05-31_AwardTypeAxis-PerformanceSharesMember" id="c2909225">P5Y</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1 contextRef="d_2015-05-01_2015-10-31" id="c2908988">P5Y182D</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1 contextRef="d_2014-05-01_2014-10-31" id="c2908989">P5Y109D</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1>
<us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageRemainingContractualTerm1 contextRef="d_2015-05-01_2015-10-31" id="c2909236">P3Y328D</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageRemainingContractualTerm1>
<us-gaap:SignificantAccountingPoliciesTextBlock contextRef="d_2015-05-01_2015-10-31" id="s107488"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;">B &#x2013; Summary of Significant Accounting Policies</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">General</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 0in">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">The accompanying condensed consolidated balance sheet as of April 30, 2015, which has been derived from audited financial statements, and the unaudited interim condensed financial statements as of October 31, 2015 and 2014, have been prepared in accordance with generally accepted accounting principles for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by accounting principles generally accepted in the United States of America for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the six months ended October 31, 2015 are not necessarily indicative of the results that may be expected for the year ending April 30, 2016. For further information, refer to the consolidated financial statements and footnotes thereto included in the Company&#x2019;s annual report on Form 10-K for the year ended April 30, 2015.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 0in">&nbsp;</div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Principles of Consolidation</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">The consolidated financial statements include the accounts of America&#x2019;s Car-Mart, Inc. and its subsidiaries. All intercompany accounts and transactions have been eliminated.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Segment Information</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9pt">Each dealership is an operating segment with its results regularly reviewed by the Company&#x2019;s chief operating decision maker in an effort to make decisions about resources to be allocated to the segment and to assess its performance. Individual dealerships meet the aggregation criteria for reporting purposes under the current accounting guidance. The Company operates in the Integrated Auto Sales and Finance segment of the used car market, also referred to as the Integrated Auto Sales and Finance industry. In this industry, the nature of the sale and the financing of the transaction, financing processes, the type of customer and the methods used to distribute the Company&#x2019;s products and services, including the actual servicing of the contracts as well as the regulatory environment in which the Company operates, all have similar characteristics. Each of our individual dealerships is similar in nature and only engages in the selling and financing of used vehicles. All individual dealerships have similar operating characteristics. As such, individual dealerships have been aggregated into one reportable segment.</div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Use of Estimates</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the period. Actual results could differ from those estimates. Significant estimates include, but are not limited to, the Company&#x2019;s allowance for credit losses.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Concentration of Risk</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company provides financing in connection with the sale of substantially all of its vehicles. These sales are made primarily to customers residing in Alabama, Arkansas, Georgia, Kentucky, Mississippi, Missouri, Oklahoma, Tennessee, and Texas, with approximately 32% of revenues resulting from sales to Arkansas customers.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">Periodically, the Company maintains cash in financial institutions in excess of the amounts insured by the federal government. The Company&#x2019;s revolving credit facilities mature in October 2017. The Company expects that these credit facilities will be renewed or refinanced on or before the scheduled maturity dates.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Restrictions on Distributions/Dividends</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company&#x2019;s revolving credit facilities generally restrict distributions by the Company to its shareholders. The distribution limitations under the Credit Facilities allow the Company to repurchase the Company&#x2019;s stock so long as: either (a) the aggregate amount of such repurchases does not exceed $40 million beginning October 8, 2014 and the sum of borrowing bases combined minus the principal balances of all revolver loans after giving effect to such repurchases is equal to or greater than 30% of the sum of the borrowing bases, or (b) the aggregate amount of such repurchases does not exceed 75% of the consolidated net income of the Company measured on a trailing twelve month basis; provided that immediately before and after giving effect to the stock repurchases, at least 12.5% of the aggregate funds committed under the credit facilities remain available. Thus, the Company is limited in its ability to pay dividends or make other distributions to its shareholders without the consent of the Company&#x2019;s lenders.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-style: italic;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Cash Equivalents</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">The Company considers all highly liquid debt instruments purchased with original maturities of three months or less to be cash equivalents.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Finance Receivables, Repossessions and Charge-offs and Allowance for Credit Losses</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">The Company originates installment sale contracts from the sale of used vehicles at its dealerships. These installment sale contracts typically carry an interest rate of 15% using the simple effective interest method including any deferred fees. Contract origination costs are not significant.<div style="display: inline; font-style: italic;"> </div>The installment sale contracts are not pre-computed contracts whereby borrowers are obligated to pay back principal plus the full amount of interest that will accrue over the entire term of the contract. Finance receivables are collateralized by vehicles sold and consist of contractually scheduled payments from installment contracts net of unearned finance charges and an allowance for credit losses. Unearned finance charges represent the balance of interest receivable to be earned over the entire term of the related installment contract, less the earned amount ($1.7 million at October 31, 2015 and $2.0 million at April 30, 2015), and as such, has been reflected as a reduction to the gross contract amount in arriving at the principal balance in finance receivables<div style="display: inline; font-style: italic;">.</div> Accounts are delinquent when the customer is one day or more behind on their contractual payments<div style="display: inline; font-style: italic;">. </div>While the Company does not formally place contracts on nonaccrual status, the immaterial amount of interest that may accrue after an account becomes delinquent up until the point of resolution via repossession or write-off, is reserved for against the accrued interest on the Consolidated Balance Sheets. Delinquent contracts are addressed and either made current by the customer or the vehicle is repossessed or written off if the collateral cannot be recovered quickly. Customer payments are set to match their payday with approximately 73% of payments due on either a weekly or bi-weekly basis. The frequency of the payment due dates combined with the declining value of collateral lead to prompt resolutions on problem accounts. <div style="display: inline; font-style: italic;"></div>At October 31, 2015, 3.5% of the Company&#x2019;s finance receivable balances were 30 days or more past due compared to 4.4% at October 31, 2014.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">Substantially all of the Company&#x2019;s automobile contracts involve contracts made to individuals with impaired or limited credit histories, or higher debt-to-income ratios than permitted by traditional lenders. Contracts made with buyers who are restricted in their ability to obtain financing from traditional lenders generally entail a higher risk of delinquency, default and repossession, and higher losses than contracts made with buyers with better credit.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">The Company strives to keep its delinquency percentages low, and not to repossess vehicles. Accounts two days late are sent a notice in the mail. Accounts three days late are contacted by telephone. Notes from each telephone contact are electronically maintained in the Company&#x2019;s computer system. If a customer becomes severely delinquent in his or her payments, and management determines that timely collection of future payments is not probable, the Company will take steps to repossess the vehicle. The Company attempts to resolve payment delinquencies amicably prior to repossessing a vehicle. Periodically, the Company enters into contract modifications with its customers to extend or modify the payment terms. The Company only enters into a contract modification or extension if it believes such action will increase the amount of monies the Company will ultimately realize on the customer&#x2019;s account and will increase the likelihood of the customer being able to pay off the vehicle contract. At the time of modification, the Company expects to collect amounts due including accrued interest at the contractual interest rate for the period of delay. Other than the extension of additional time, concessions are not granted to customers at the time of modifications. Modifications are minor and are made for payday changes, minor vehicle repairs and other reasons. For those vehicles that are repossessed, the majority are returned or surrendered by the customer on a voluntary basis. Other repossessions are performed by Company personnel or third party repossession agents. Depending on the condition of a repossessed vehicle, it is either resold on a retail basis through a Company dealership, or sold for cash on a wholesale basis primarily through physical or online auctions.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">The Company takes steps to repossess a vehicle when the customer becomes delinquent in his or her payments and management determines that timely collection of future payments is not probable. Accounts are charged-off after the expiration of a statutory notice period for repossessed accounts, or when management determines that the timely collection of future payments is not probable for accounts where the Company has been unable to repossess the vehicle. For accounts with respect to which the vehicle was repossessed, the fair value of the repossessed vehicle is charged as a reduction of the gross finance receivable balance charged-off. On average, accounts are approximately 59 days past due at the time of charge-off. For previously charged-off accounts that are subsequently recovered, the amount of such recovery is credited to the allowance for credit losses.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">The Company maintains an allowance for credit losses on an aggregate basis, as opposed to a contract-by-contract basis, at an amount it considers sufficient to cover estimated losses inherent in the portfolio at the balance sheet date in the collection of its finance receivables currently outstanding. The Company accrues an estimated loss as it is probable that the entire amount will not be collected and the amount of the loss can be reasonably estimated in the aggregate. The allowance for credit losses is based primarily upon historical credit loss experience, with consideration given to recent credit loss trends and changes in contract characteristics (i.e., average amount financed and term), delinquency levels, collateral values, economic conditions and underwriting and collection practices. The allowance for credit losses is periodically reviewed by management with any changes reflected in current operations. Although it is at least reasonably possible that events or circumstances could occur in the future that are not presently foreseen which could cause actual credit losses to be materially different from the recorded allowance for credit losses, the Company believes that it has given appropriate consideration to all relevant factors and has made reasonable assumptions in determining the allowance for credit losses. The calculation of the allowance for credit losses uses the following primary factors:</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.75in; TEXT-INDENT: 9.35pt"><div style="display: inline; FONT-FAMILY: Symbol">&middot;</div>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The number of units repossessed or charged-off as a percentage of total units financed over specific historical periods of time from one year to five years.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.5in; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.75in; TEXT-INDENT: 9.35pt"><div style="display: inline; FONT-FAMILY: Symbol">&middot;</div>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The average net repossession and charge-off loss per unit during the last eighteen months, segregated by the number of months since the contract origination date, and adjusted for the expected future average net charge-off loss per unit. Approximately 50% of the charge-offs that will ultimately occur in the portfolio are expected to occur within 10-11 months following the balance sheet date. The average age of an account at charge-off date is 11.6 months.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.5in; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.75in; TEXT-INDENT: 9.35pt"><div style="display: inline; FONT-FAMILY: Symbol">&middot;</div>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The timing of repossession and charge-off losses relative to the date of sale (i.e., how long it takes for a repossession or charge-off to occur) for repossessions and charge-offs occurring during the last eighteen months.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">A point estimate is produced by this analysis which is then supplemented by any positive or negative subjective factors to arrive at an overall reserve amount that management considers to be a reasonable estimate of losses inherent in the portfolio at the balance sheet date that will be realized via actual charge-offs in the future. While challenging economic conditions can negatively impact credit losses, the effectiveness of the execution of internal policies and procedures within the collections area and the competitive environment on the lending side have historically had a more significant effect on collection results than macro-economic issues. The allowance for credit losses at October 31, 2015 of $100.4 million was 25.0% of the principal balance in finance receivables of $427.7 million, less unearned payment protection plan revenue of $16.1 million and unearned service contract revenue of $9.9 million.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">In most states, the Company offers retail customers who finance their vehicle the option of purchasing a payment protection plan product as an add-on to the installment sale contract. This product contractually obligates the Company to cancel the remaining principal outstanding for any contract where the retail customer has totaled the vehicle, as defined, or the vehicle has been stolen. The Company periodically evaluates anticipated losses to ensure that if anticipated losses exceed deferred payment protection plan revenues, an additional liability is recorded for such difference. No such liability was required at October 31, 2015 or 2014.</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px"><div style="display: inline; font-style: italic;">Inventory</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">Inventory consists of used vehicles and is valued at the lower of cost or market on a specific identification basis. Vehicle reconditioning costs are capitalized as a component of inventory. Repossessed vehicles and trade-in vehicles are recorded at fair value, which approximates wholesale value. The cost of used vehicles sold is determined using the specific identification method.</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px"><div style="display: inline; font-style: italic;"></div></div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px"><div style="display: inline; font-style: italic;"></div>&nbsp;</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px"><div style="display: inline; font-style: italic;">Goodwill </div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">Goodwill reflects the excess of purchase price over the fair value of specifically identified net assets purchased. Goodwill and intangible assets deemed to have indefinite lives are not amortized but are subject to annual impairment tests at the Company&#x2019;s year-end. The impairment tests are based on the comparison of the fair value of the reporting unit to the carrying value of such unit. If the fair value of the reporting unit falls below its carrying value, the Company performs the second step of the two-step goodwill impairment process to determine the amount, if any, that the goodwill is impaired. The second step involves determining the fair value of the identifiable assets and liabilities and the implied goodwill. The implied goodwill is compared to the carrying value of the goodwill to determine the impairment, if any. There was no impairment of goodwill during fiscal 2015, and to date, there has been no impairment during fiscal 2016.</div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Property and Equipment</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9pt">Property and equipment are stated at cost. Expenditures for additions, remodels and improvements are capitalized. Costs of repairs and maintenance are expensed as incurred. Leasehold improvements are amortized over the shorter of the estimated life of the improvement or the lease period. The lease period includes the primary lease term plus any extensions that are reasonably assured. Depreciation is computed principally using the straight-line method generally over the following estimated useful lives:</div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT: 10pt Times New Roman, Times, Serif; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: top"> <td style="WIDTH: 34%; LAYOUT-GRID-MODE: line; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT: 10pt Times New Roman, Times, Serif">Furniture, fixtures and equipment (years)</div></td> <td style="WIDTH: 3%; LAYOUT-GRID-MODE: line; FONT-WEIGHT: bold; TEXT-ALIGN: right; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT-FAMILY: Times New Roman, Times, Serif; FONT-WEIGHT: normal">3</div></td> <td style="WIDTH: 3%; TEXT-ALIGN: center">to</td> <td style="WIDTH: 3%">7</td> <td style="WIDTH: 48%">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT-FAMILY: Times New Roman, Times, Serif">Leasehold improvements</div> (years)</td> <td style="LAYOUT-GRID-MODE: line; FONT-WEIGHT: bold; TEXT-ALIGN: right; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT-FAMILY: Times New Roman, Times, Serif; FONT-WEIGHT: normal">5</div></td> <td style="TEXT-ALIGN: center">to</td> <td>15</td> <td>&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="LAYOUT-GRID-MODE: line; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT: 10pt Times New Roman, Times, Serif">Buildings and improvements</div> (years)</td> <td style="LAYOUT-GRID-MODE: line; FONT-WEIGHT: bold; TEXT-ALIGN: right; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT-FAMILY: Times New Roman, Times, Serif; FONT-WEIGHT: normal">18</div></td> <td style="TEXT-ALIGN: center">to</td> <td>39</td> <td>&nbsp;</td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9pt"></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">Property and equipment are reviewed for impairment whenever events or changes in circumstances indicate the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to future undiscounted net cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying values of the impaired assets exceed the fair value of such assets. Assets to be disposed of are reported at the lower of the carrying amount or fair value less costs to sell.</div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Cash Overdraft</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">As checks are presented for payment from the Company&#x2019;s primary disbursement bank account, monies are automatically drawn against cash collections for the day and, if necessary, are drawn against one of its revolving credit facilities. Any cash overdraft balance principally represents outstanding checks, net of any deposits in transit that as of the balance sheet date had not yet been presented for payment. Any cash overdraft balance is reflected in accrued liabilities on the Company&#x2019;s Condensed Consolidated Balance Sheets.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Deferred Sales Tax</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">Deferred sales tax represents a sales tax liability of the Company for vehicles sold on an installment basis in the states of Alabama and Texas. Under Alabama and Texas law, for vehicles sold on an installment basis, the related sales tax is due as the payments are collected from the customer, rather than at the time of sale. Deferred sales tax liabilities are reflected in accrued liabilities on the Company&#x2019;s Condensed Consolidated Balance Sheets.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Income Taxes</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">Income taxes are accounted for under the liability method. Under this method, deferred income tax assets and liabilities are determined based on differences between financial reporting and tax bases of assets and liabilities, and are measured using the enacted tax rates expected to apply in the years in which these differences are expected to be recovered or settled. The quarterly provision for income taxes is determined using an estimated annual effective tax rate, which is based on expected annual taxable income, statutory tax rates and the Company&#x2019;s best estimate of nontaxable and nondeductible items of income and expense.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">Occasionally, the Company is audited by taxing authorities. These audits could result in proposed assessments of additional taxes. The Company believes that its tax positions comply in all material respects with applicable tax law. However, tax law is subject to interpretation, and interpretations by taxing authorities could be different from those of the Company, which could result in the imposition of additional taxes.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company recognizes the financial statement benefit of a tax position only after determining that the relevant tax authority would more likely than not sustain the position following an audit. For tax positions meeting the more-likely-than-not threshold, the amount recognized in the financial statements is the largest benefit that has a greater than 50 percent likelihood of being realized upon ultimate settlement with the relevant tax authority. The Company applies this methodology to all tax positions for which the statute of limitations remains open.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company is subject to income taxes in the U.S. federal jurisdiction and various state jurisdictions. Tax regulations within each jurisdiction are subject to the interpretation of the related tax laws and regulations and require significant judgment to apply. With few exceptions, the Company is no longer subject to U.S. federal, state and local income tax examinations by tax authorities for the years before fiscal 2012.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company&#x2019;s policy is to recognize accrued interest related to unrecognized tax benefits in interest expense and penalties in operating expenses. The Company had no accrued penalties or interest as of October 31, 2015 or April 30, 2015.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Revenue Recognition</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px">&nbsp;</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9pt">Revenues are generated principally from the sale of used vehicles, which in most cases includes a service contract and a payment protection plan product, interest income and late fees earned on finance receivables. Revenues are net of taxes collected from customers and remitted to government agencies. Cost of vehicle sales include costs incurred by the Company to prepare the vehicle for sale including license and title costs, gasoline, transport services and repairs.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9pt">Revenues from the sale of used vehicles are recognized when the sales contract is signed, the customer has taken possession of the vehicle and, if applicable, financing has been approved. Revenues from the sale of vehicles sold at wholesale are recognized at the time the proceeds are received. Revenues from the sale of service contracts are recognized ratably over the expected duration of the product. Service contract revenues are included in sales and the related expenses are included in cost of sales. Payment protection plan revenues are initially deferred and then recognized to income using the &#x201c;Rule of 78&#x2019;s&#x201d; interest method over the life of the contract so that revenues are recognized in proportion to the amount of cancellation protection provided. Payment protection plan revenues are included in sales and related losses are included in cost of sales as incurred. Interest income is recognized on all active finance receivable accounts using the simple effective interest method. Active accounts include all accounts except those that have been paid-off or charged-off.</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px">Sales consist of the following:</div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;">&nbsp;</div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Three Months Ended<br />October 31,</td> <td>&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid">&nbsp;</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 48%; TEXT-ALIGN: left">Sales &#x2013; used autos</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">98,836</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">106,914</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">208,094</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%">&nbsp;</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">208,037</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Wholesales &#x2013; third party</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">6,172</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">4,763</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,842</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">9,559</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Service contract sales</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">6,731</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">3,988</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">13,543</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">7,983</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">&nbsp;</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; 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Stock-based compensation plans, related expenses and assumptions used in the Black-Scholes option pricing model are more fully described in Note I. 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ASU 2014-09 also requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract. In August 2015, the FASB issued ASU 2015-14, <div style="display: inline; font-style: italic;">Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date</div>, to provide entities with an additional year to implement ASU 2014-09. As a result, the guidance in ASU 2014-09 is effective for annual and interim reporting periods beginning after December 15, 2017, using one of two retrospective application methods. 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<xsd:element id="crmt_FinancingReceivableAverageDaysPastDueAtChargeOff" name="FinancingReceivableAverageDaysPastDueAtChargeOff" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_FinancingReceivableContractTermsTableTextBlock" name="FinancingReceivableContractTermsTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_FinancingReceivableCurrentPercentOfPortfolio" name="FinancingReceivableCurrentPercentOfPortfolio" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
<xsd:element id="crmt_FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio" name="FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
<xsd:element id="crmt_FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio" name="FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
<xsd:element id="crmt_FinancingReceivableInterestRate" name="FinancingReceivableInterestRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_FinancingReceivablePaymentPeriod" name="FinancingReceivablePaymentPeriod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_FinancingReceivablePercentOfPortfolio" name="FinancingReceivablePercentOfPortfolio" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
<xsd:element id="crmt_FinancingReceivableRecordedInvestment30To60DaysPastDue" name="FinancingReceivableRecordedInvestment30To60DaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element id="crmt_FinancingReceivableRecordedInvestment3To29DaysPastDue" name="FinancingReceivableRecordedInvestment3To29DaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element id="crmt_FinancingReceivableRecordedInvestment61To90DaysPastDue" name="FinancingReceivableRecordedInvestment61To90DaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element id="crmt_FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue" name="FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
<xsd:element abstract="true" id="crmt_FurnitureFixturesAndEquipmentMember" name="FurnitureFixturesAndEquipmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_InstallmentSaleContractsWeightedAverageInterestRate" name="InstallmentSaleContractsWeightedAverageInterestRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_InterestEarnedOnFinancingReceivables" name="InterestEarnedOnFinancingReceivables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element id="crmt_InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims" name="InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element id="crmt_LineOfCreditFacilityAdditionalBorrowingCapacity" name="LineOfCreditFacilityAdditionalBorrowingCapacity" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
<xsd:element id="crmt_LineOfCreditFacilityDecreaseInPricingTiersPercent" name="LineOfCreditFacilityDecreaseInPricingTiersPercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_LineOfCreditFacilityDistributionLimitationsMaximumAggregateAmountOfStockRepurchases" name="LineOfCreditFacilityDistributionLimitationsMaximumAggregateAmountOfStockRepurchases" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element id="crmt_LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable" name="LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome" name="LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases" name="LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_LineOfCreditFacilityDividendRestrictionsPolicyTextBlock" name="LineOfCreditFacilityDividendRestrictionsPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_LineOfCreditFacilityIncreaseInPricingTiersPercent" name="LineOfCreditFacilityIncreaseInPricingTiersPercent" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_LossesOnClaimsForPaymentProtectionPlan" name="LossesOnClaimsForPaymentProtectionPlan" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element id="crmt_MaximumAllowableCapitalExpendituresByCreditFacilitiesAmendment" name="MaximumAllowableCapitalExpendituresByCreditFacilitiesAmendment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
<xsd:element id="crmt_MinimumExercisePriceAsAPercentageOfFairMarketValueAtDateOfGrant" name="MinimumExercisePriceAsAPercentageOfFairMarketValueAtDateOfGrant" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
<xsd:element id="crmt_NetChargeOffsAsPercentageOfAverageFinanceReceivables" name="NetChargeOffsAsPercentageOfAverageFinanceReceivables" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_NineteenNinetySevenPlanMember" name="NineteenNinetySevenPlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_NoteToFinancialStatementDetailsTextual" name="NoteToFinancialStatementDetailsTextual" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_NotesToFinancialStatements" name="NotesToFinancialStatements" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_NotesToFinancialStatementsAbstract" name="NotesToFinancialStatementsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_NumberOfOperatingSubsidiaries" name="NumberOfOperatingSubsidiaries" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_NumberOfStockOptionPlans" name="NumberOfStockOptionPlans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="instant"/>
<xsd:element id="crmt_OriginationsOfFinancingReceivables" name="OriginationsOfFinancingReceivables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element id="crmt_PaymentProtectionPlanLosses" name="PaymentProtectionPlanLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_PaymentProtectionPlanMember" name="PaymentProtectionPlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_PaymentProtectionPlanRevenueMember" name="PaymentProtectionPlanRevenueMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_PercentageOfReceivableChargeOffs" name="PercentageOfReceivableChargeOffs" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
<xsd:element id="crmt_PortfolioWeightedAverageContractTermIncludingModifications" name="PortfolioWeightedAverageContractTermIncludingModifications" nillable="true" substitutionGroup="xbrli:item" type="xbrli:durationItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_PrincipalCollectedAsAPercentOfAverageFinancingReceivables" name="PrincipalCollectedAsAPercentOfAverageFinancingReceivables" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
<xsd:element id="crmt_PropertyPlantAndEquipmentUsefulLifeTableTextBlock" name="PropertyPlantAndEquipmentUsefulLifeTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_ProvisionForCreditLosses" name="ProvisionForCreditLosses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_RestatedOptionPlanMember" name="RestatedOptionPlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_SalesUsedAutosMember" name="SalesUsedAutosMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_ServiceContractMember" name="ServiceContractMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_ServiceContractSalesMember" name="ServiceContractSalesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
<xsd:element id="crmt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNotCurrentlyExpectedToVestOutstandingNumber" name="SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNotCurrentlyExpectedToVestOutstandingNumber" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="instant"/>
<xsd:element abstract="true" id="crmt_StockIncentivePlanMember" name="StockIncentivePlanMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_StockOptionPlanComparisonTableTextBlock" name="StockOptionPlanComparisonTableTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_TreasuryStockPolicyTextBlock" name="TreasuryStockPolicyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
<xsd:element id="crmt_WeightedAverageSharesOutstandingTextBlock" name="WeightedAverageSharesOutstandingTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_WholesalesThirdPartyMember" name="WholesalesThirdPartyMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-b-property-and-equipment-estimated-useful-lives-details" name="statement-statement-note-b-property-and-equipment-estimated-useful-lives-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-b-sales-details" name="statement-statement-note-b-sales-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-b-summary-of-significant-accounting-policies-tables" name="statement-statement-note-b-summary-of-significant-accounting-policies-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-c-average-financing-receivable-contract-terms-details" name="statement-statement-note-c-average-financing-receivable-contract-terms-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-c-changes-in-finance-receivables-details" name="statement-statement-note-c-changes-in-finance-receivables-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-c-changes-in-the-finance-receivables-allowance-for-credit-losses-details" name="statement-statement-note-c-changes-in-the-finance-receivables-allowance-for-credit-losses-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-c-components-of-finance-receivables-details" name="statement-statement-note-c-components-of-finance-receivables-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-c-credit-quality-information-for-finance-receivables-details" name="statement-statement-note-c-credit-quality-information-for-finance-receivables-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-c-finance-receivables-net-tables" name="statement-statement-note-c-finance-receivables-net-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-c-financing-receivables-analysis-details" name="statement-statement-note-c-financing-receivables-analysis-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-d-property-and-equipment-details" name="statement-statement-note-d-property-and-equipment-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-d-property-and-equipment-tables" name="statement-statement-note-d-property-and-equipment-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-e-accrued-liabilities-details" name="statement-statement-note-e-accrued-liabilities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-e-accrued-liabilities-tables" name="statement-statement-note-e-accrued-liabilities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-f-debt-facilities-details" name="statement-statement-note-f-debt-facilities-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-f-debt-facilities-tables" name="statement-statement-note-f-debt-facilities-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-g-fair-value-measurements-tables" name="statement-statement-note-g-fair-value-measurements-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-g-fair-value-of-financial-instruments-details" name="statement-statement-note-g-fair-value-of-financial-instruments-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-h-weighted-average-shares-of-common-stock-outstanding-details" name="statement-statement-note-h-weighted-average-shares-of-common-stock-outstanding-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-h-weighted-average-shares-outstanding-tables" name="statement-statement-note-h-weighted-average-shares-outstanding-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-i-options-exercised-details" name="statement-statement-note-i-options-exercised-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-i-options-valuation-assumptions-details" name="statement-statement-note-i-options-valuation-assumptions-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-i-stock-based-compensation-tables" name="statement-statement-note-i-stock-based-compensation-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-i-stock-option-plan-comparison-details" name="statement-statement-note-i-stock-option-plan-comparison-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-k-supplemental-cash-flow-disclosures-details" name="statement-statement-note-k-supplemental-cash-flow-disclosures-details" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-note-k-supplemental-cash-flow-information-tables" name="statement-statement-note-k-supplemental-cash-flow-information-tables" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
<xsd:element abstract="true" id="crmt_statement-statement-significant-accounting-policies-policies" name="statement-statement-significant-accounting-policies-policies" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>7
<FILENAME>crmt-20151031_cal.xml
<DESCRIPTION>XBRL CALCULATION FILE
<TEXT>
<XBRL>
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<TYPE>EX-101.LAB
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<DESCRIPTION>XBRL LABEL FILE
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<link:label xlink:label="us-gaap_RestrictedStockMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted Stock [Member]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RestrictedStockMember" xlink:to="us-gaap_RestrictedStockMember-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-significant-accounting-policies-policies" xlink:label="crmt_statement-statement-significant-accounting-policies-policies" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-significant-accounting-policies-policies-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementsignificantaccountingpoliciespolicies</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-significant-accounting-policies-policies" xlink:to="crmt_statement-statement-significant-accounting-policies-policies-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-b-summary-of-significant-accounting-policies-tables" xlink:label="crmt_statement-statement-note-b-summary-of-significant-accounting-policies-tables" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-b-summary-of-significant-accounting-policies-tables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnotebsummaryofsignificantaccountingpoliciestables</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-b-summary-of-significant-accounting-policies-tables" xlink:to="crmt_statement-statement-note-b-summary-of-significant-accounting-policies-tables-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_MinimumExercisePriceAsAPercentageOfFairMarketValueAtDateOfGrant" xlink:label="crmt_MinimumExercisePriceAsAPercentageOfFairMarketValueAtDateOfGrant" xlink:type="locator"/>
<link:label xlink:label="crmt_MinimumExercisePriceAsAPercentageOfFairMarketValueAtDateOfGrant-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Minimum exercise price as a percentage of fair market value at date of grant</link:label>
<link:label xlink:label="crmt_MinimumExercisePriceAsAPercentageOfFairMarketValueAtDateOfGrant-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Minimum exercise price of stock options as a percentage of fair market value at date of grant.</link:label>
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<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis" xlink:label="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis" xlink:type="locator"/>
<link:label xlink:label="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Antidilutive Securities [Axis]</link:label>
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<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-c-finance-receivables-net-tables" xlink:label="crmt_statement-statement-note-c-finance-receivables-net-tables" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-c-finance-receivables-net-tables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnotecfinancereceivablesnettables</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-c-finance-receivables-net-tables" xlink:to="crmt_statement-statement-note-c-finance-receivables-net-tables-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SalesRevenueNetMember" xlink:label="us-gaap_SalesRevenueNetMember" xlink:type="locator"/>
<link:label xlink:label="us-gaap_SalesRevenueNetMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales Revenue, Net [Member]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SalesRevenueNetMember" xlink:to="us-gaap_SalesRevenueNetMember-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-d-property-and-equipment-tables" xlink:label="crmt_statement-statement-note-d-property-and-equipment-tables" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-d-property-and-equipment-tables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnotedpropertyandequipmenttables</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-d-property-and-equipment-tables" xlink:to="crmt_statement-statement-note-d-property-and-equipment-tables-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-e-accrued-liabilities-tables" xlink:label="crmt_statement-statement-note-e-accrued-liabilities-tables" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-e-accrued-liabilities-tables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnoteeaccruedliabilitiestables</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-e-accrued-liabilities-tables" xlink:to="crmt_statement-statement-note-e-accrued-liabilities-tables-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AntidilutiveSecuritiesNameDomain" xlink:label="us-gaap_AntidilutiveSecuritiesNameDomain" xlink:type="locator"/>
<link:label xlink:label="us-gaap_AntidilutiveSecuritiesNameDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Antidilutive Securities, Name [Domain]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AntidilutiveSecuritiesNameDomain" xlink:to="us-gaap_AntidilutiveSecuritiesNameDomain-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-f-debt-facilities-tables" xlink:label="crmt_statement-statement-note-f-debt-facilities-tables" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-f-debt-facilities-tables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnotefdebtfacilitiestables</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-f-debt-facilities-tables" xlink:to="crmt_statement-statement-note-f-debt-facilities-tables-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConcentrationRiskByBenchmarkAxis" xlink:label="us-gaap_ConcentrationRiskByBenchmarkAxis" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ConcentrationRiskByBenchmarkAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk Benchmark [Axis]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConcentrationRiskByBenchmarkAxis" xlink:to="us-gaap_ConcentrationRiskByBenchmarkAxis-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_AmendmentFlag" xlink:label="dei_AmendmentFlag" xlink:type="locator"/>
<link:label xlink:label="dei_AmendmentFlag-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amendment Flag</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-g-fair-value-measurements-tables" xlink:label="crmt_statement-statement-note-g-fair-value-measurements-tables" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-g-fair-value-measurements-tables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnotegfairvaluemeasurementstables</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-g-fair-value-measurements-tables" xlink:to="crmt_statement-statement-note-g-fair-value-measurements-tables-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_AdditionalEmployeeStockOptionMember" xlink:label="crmt_AdditionalEmployeeStockOptionMember" xlink:type="locator"/>
<link:label xlink:label="crmt_AdditionalEmployeeStockOptionMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional Employee Stock Option [Member]</link:label>
<link:label xlink:label="crmt_AdditionalEmployeeStockOptionMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Additional arrangement whereby an employee is entitled to receive in the future, subject to vesting and other restrictions, a number of shares in the entity at a specified price, as defined in the agreement.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_AdditionalEmployeeStockOptionMember" xlink:to="crmt_AdditionalEmployeeStockOptionMember-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-h-weighted-average-shares-outstanding-tables" xlink:label="crmt_statement-statement-note-h-weighted-average-shares-outstanding-tables" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-h-weighted-average-shares-outstanding-tables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnotehweightedaveragesharesoutstandingtables</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-h-weighted-average-shares-outstanding-tables" xlink:to="crmt_statement-statement-note-h-weighted-average-shares-outstanding-tables-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xlink:label="us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xlink:type="locator"/>
<link:label xlink:label="us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable</link:label>
<link:label xlink:label="us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income taxes, net</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xlink:to="us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConcentrationRiskByTypeAxis" xlink:label="us-gaap_ConcentrationRiskByTypeAxis" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ConcentrationRiskByTypeAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk Type [Axis]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConcentrationRiskByTypeAxis" xlink:to="us-gaap_ConcentrationRiskByTypeAxis-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-i-stock-based-compensation-tables" xlink:label="crmt_statement-statement-note-i-stock-based-compensation-tables" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-i-stock-based-compensation-tables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnoteistockbasedcompensationtables</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-i-stock-based-compensation-tables" xlink:to="crmt_statement-statement-note-i-stock-based-compensation-tables-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccruedSalariesCurrentAndNoncurrent" xlink:label="us-gaap_AccruedSalariesCurrentAndNoncurrent" xlink:type="locator"/>
<link:label xlink:label="us-gaap_AccruedSalariesCurrentAndNoncurrent-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AccruedSalariesCurrentAndNoncurrent</link:label>
<link:label xlink:label="us-gaap_AccruedSalariesCurrentAndNoncurrent-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Employee compensation</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccruedSalariesCurrentAndNoncurrent" xlink:to="us-gaap_AccruedSalariesCurrentAndNoncurrent-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-k-supplemental-cash-flow-information-tables" xlink:label="crmt_statement-statement-note-k-supplemental-cash-flow-information-tables" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-k-supplemental-cash-flow-information-tables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnoteksupplementalcashflowinformationtables</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-k-supplemental-cash-flow-information-tables" xlink:to="crmt_statement-statement-note-k-supplemental-cash-flow-information-tables-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConcentrationRiskBenchmarkDomain" xlink:label="us-gaap_ConcentrationRiskBenchmarkDomain" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ConcentrationRiskBenchmarkDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk Benchmark [Domain]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConcentrationRiskBenchmarkDomain" xlink:to="us-gaap_ConcentrationRiskBenchmarkDomain-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:label="us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PaymentsForRepurchaseOfCommonStock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_PaymentsForRepurchaseOfCommonStock</link:label>
<link:label xlink:label="us-gaap_PaymentsForRepurchaseOfCommonStock-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Purchase of common stock</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:to="us-gaap_PaymentsForRepurchaseOfCommonStock-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-b-property-and-equipment-estimated-useful-lives-details" xlink:label="crmt_statement-statement-note-b-property-and-equipment-estimated-useful-lives-details" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-b-property-and-equipment-estimated-useful-lives-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnotebpropertyandequipmentestimatedusefullivesdetails</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-b-property-and-equipment-estimated-useful-lives-details" xlink:to="crmt_statement-statement-note-b-property-and-equipment-estimated-useful-lives-details-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PlanNameDomain" xlink:label="us-gaap_PlanNameDomain" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PlanNameDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Plan Name [Domain]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PlanNameDomain" xlink:to="us-gaap_PlanNameDomain-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AllocatedShareBasedCompensationExpense" xlink:label="us-gaap_AllocatedShareBasedCompensationExpense" xlink:type="locator"/>
<link:label xlink:label="us-gaap_AllocatedShareBasedCompensationExpense-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AllocatedShareBasedCompensationExpense</link:label>
<link:label xlink:label="us-gaap_AllocatedShareBasedCompensationExpense-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allocated Share-based Compensation Expense</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllocatedShareBasedCompensationExpense" xlink:to="us-gaap_AllocatedShareBasedCompensationExpense-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-b-sales-details" xlink:label="crmt_statement-statement-note-b-sales-details" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-b-sales-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnotebsalesdetails</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-b-sales-details" xlink:to="crmt_statement-statement-note-b-sales-details-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncreaseDecreaseInDeferredRevenue" xlink:label="us-gaap_IncreaseDecreaseInDeferredRevenue" xlink:type="locator"/>
<link:label xlink:label="us-gaap_IncreaseDecreaseInDeferredRevenue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Deferred Revenue</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInDeferredRevenue" xlink:to="us-gaap_IncreaseDecreaseInDeferredRevenue-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent" xlink:label="us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent" xlink:type="locator"/>
<link:label xlink:label="us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent</link:label>
<link:label xlink:label="us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent" xlink:to="us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConcentrationRiskTypeDomain" xlink:label="us-gaap_ConcentrationRiskTypeDomain" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ConcentrationRiskTypeDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk Type [Domain]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConcentrationRiskTypeDomain" xlink:to="us-gaap_ConcentrationRiskTypeDomain-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PlanNameAxis" xlink:label="us-gaap_PlanNameAxis" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PlanNameAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Plan Name [Axis]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PlanNameAxis" xlink:to="us-gaap_PlanNameAxis-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax" xlink:label="us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax" xlink:type="locator"/>
<link:label xlink:label="us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax</link:label>
<link:label xlink:label="us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allocated Share-based Compensation Expense, Net of Tax</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax" xlink:to="us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-c-components-of-finance-receivables-details" xlink:label="crmt_statement-statement-note-c-components-of-finance-receivables-details" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-c-components-of-finance-receivables-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnoteccomponentsoffinancereceivablesdetails</link:label>
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<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MinimumMember" xlink:label="us-gaap_MinimumMember" xlink:type="locator"/>
<link:label xlink:label="us-gaap_MinimumMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Minimum [Member]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MinimumMember" xlink:to="us-gaap_MinimumMember-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_CreditFacilitiesAmendmentNumber4Member" xlink:label="crmt_CreditFacilitiesAmendmentNumber4Member" xlink:type="locator"/>
<link:label xlink:label="crmt_CreditFacilitiesAmendmentNumber4Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Facilities, Amendment Number 4 [Member]</link:label>
<link:label xlink:label="crmt_CreditFacilitiesAmendmentNumber4Member-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents Amendment No. 4 to the Amended and Restated Loan and Security Agreement (“Credit Facilities”) with a group of lenders.</link:label>
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<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-c-changes-in-finance-receivables-details" xlink:label="crmt_statement-statement-note-c-changes-in-finance-receivables-details" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-c-changes-in-finance-receivables-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnotecchangesinfinancereceivablesdetails</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-c-changes-in-finance-receivables-details" xlink:to="crmt_statement-statement-note-c-changes-in-finance-receivables-details-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MaximumMember" xlink:label="us-gaap_MaximumMember" xlink:type="locator"/>
<link:label xlink:label="us-gaap_MaximumMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum [Member]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MaximumMember" xlink:to="us-gaap_MaximumMember-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_CreditFacilitiesAmendmentNumber3Member" xlink:label="crmt_CreditFacilitiesAmendmentNumber3Member" xlink:type="locator"/>
<link:label xlink:label="crmt_CreditFacilitiesAmendmentNumber3Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Facilities, Amendment Number 3 [Member]</link:label>
<link:label xlink:label="crmt_CreditFacilitiesAmendmentNumber3Member-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents Amendment No. 3 to the Amended and Restated Loan and Security Agreement (“Credit Facilities”) with a group of lenders.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_CreditFacilitiesAmendmentNumber3Member" xlink:to="crmt_CreditFacilitiesAmendmentNumber3Member-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PerformanceSharesMember" xlink:label="us-gaap_PerformanceSharesMember" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PerformanceSharesMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Performance Shares [Member]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PerformanceSharesMember" xlink:to="us-gaap_PerformanceSharesMember-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-c-credit-quality-information-for-finance-receivables-details" xlink:label="crmt_statement-statement-note-c-credit-quality-information-for-finance-receivables-details" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-c-credit-quality-information-for-finance-receivables-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnoteccreditqualityinformationforfinancereceivablesdetails</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-c-credit-quality-information-for-finance-receivables-details" xlink:to="crmt_statement-statement-note-c-credit-quality-information-for-finance-receivables-details-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RangeAxis" xlink:label="us-gaap_RangeAxis" xlink:type="locator"/>
<link:label xlink:label="us-gaap_RangeAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Range [Axis]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RangeAxis" xlink:to="us-gaap_RangeAxis-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-c-changes-in-the-finance-receivables-allowance-for-credit-losses-details" xlink:label="crmt_statement-statement-note-c-changes-in-the-finance-receivables-allowance-for-credit-losses-details" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-c-changes-in-the-finance-receivables-allowance-for-credit-losses-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnotecchangesinthefinancereceivablesallowanceforcreditlossesdetails</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-c-changes-in-the-finance-receivables-allowance-for-credit-losses-details" xlink:to="crmt_statement-statement-note-c-changes-in-the-finance-receivables-allowance-for-credit-losses-details-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RangeMember" xlink:label="us-gaap_RangeMember" xlink:type="locator"/>
<link:label xlink:label="us-gaap_RangeMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Range [Domain]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RangeMember" xlink:to="us-gaap_RangeMember-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-c-average-financing-receivable-contract-terms-details" xlink:label="crmt_statement-statement-note-c-average-financing-receivable-contract-terms-details" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-c-average-financing-receivable-contract-terms-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnotecaveragefinancingreceivablecontracttermsdetails</link:label>
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<link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:label="dei_DocumentFiscalYearFocus" xlink:type="locator"/>
<link:label xlink:label="dei_DocumentFiscalYearFocus-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Fiscal Year Focus</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-c-financing-receivables-analysis-details" xlink:label="crmt_statement-statement-note-c-financing-receivables-analysis-details" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-c-financing-receivables-analysis-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnotecfinancingreceivablesanalysisdetails</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-c-financing-receivables-analysis-details" xlink:to="crmt_statement-statement-note-c-financing-receivables-analysis-details-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:label="us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ProceedsFromIssuanceOfCommonStock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Issuance of common stock</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromIssuanceOfCommonStock" xlink:to="us-gaap_ProceedsFromIssuanceOfCommonStock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="dei_DocumentFiscalPeriodFocus" xlink:type="locator"/>
<link:label xlink:label="dei_DocumentFiscalPeriodFocus-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Fiscal Period Focus</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-e-accrued-liabilities-details" xlink:label="crmt_statement-statement-note-e-accrued-liabilities-details" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-e-accrued-liabilities-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnoteeaccruedliabilitiesdetails</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-e-accrued-liabilities-details" xlink:to="crmt_statement-statement-note-e-accrued-liabilities-details-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:label="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:to="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:label="us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Allowance for Credit Losses on Financing Receivables [Table Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:to="us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProceedsFromStockOptionsExercised" xlink:label="us-gaap_ProceedsFromStockOptionsExercised" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ProceedsFromStockOptionsExercised-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash received from option exercises</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromStockOptionsExercised" xlink:to="us-gaap_ProceedsFromStockOptionsExercised-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities" xlink:label="us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities" xlink:type="locator"/>
<link:label xlink:label="us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities</link:label>
<link:label xlink:label="us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounts payable and accrued liabilities</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities" xlink:to="us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-d-property-and-equipment-details" xlink:label="crmt_statement-statement-note-d-property-and-equipment-details" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-d-property-and-equipment-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnotedpropertyandequipmentdetails</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-d-property-and-equipment-details" xlink:to="crmt_statement-statement-note-d-property-and-equipment-details-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-g-fair-value-of-financial-instruments-details" xlink:label="crmt_statement-statement-note-g-fair-value-of-financial-instruments-details" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-g-fair-value-of-financial-instruments-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnotegfairvalueoffinancialinstrumentsdetails</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-g-fair-value-of-financial-instruments-details" xlink:to="crmt_statement-statement-note-g-fair-value-of-financial-instruments-details-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="dei_DocumentPeriodEndDate" xlink:type="locator"/>
<link:label xlink:label="dei_DocumentPeriodEndDate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Period End Date</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-f-debt-facilities-details" xlink:label="crmt_statement-statement-note-f-debt-facilities-details" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-f-debt-facilities-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnotefdebtfacilitiesdetails</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-f-debt-facilities-details" xlink:to="crmt_statement-statement-note-f-debt-facilities-details-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-i-stock-option-plan-comparison-details" xlink:label="crmt_statement-statement-note-i-stock-option-plan-comparison-details" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-i-stock-option-plan-comparison-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnoteistockoptionplancomparisondetails</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_statement-statement-note-i-stock-option-plan-comparison-details" xlink:to="crmt_statement-statement-note-i-stock-option-plan-comparison-details-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_NineteenNinetySevenPlanMember" xlink:label="crmt_NineteenNinetySevenPlanMember" xlink:type="locator"/>
<link:label xlink:label="crmt_NineteenNinetySevenPlanMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">The 1997 Plan [Member]</link:label>
<link:label xlink:label="crmt_NineteenNinetySevenPlanMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The 1997 Plan</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_NineteenNinetySevenPlanMember" xlink:to="crmt_NineteenNinetySevenPlanMember-label" xlink:type="arc"/>
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<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-i-options-exercised-details" xlink:label="crmt_statement-statement-note-i-options-exercised-details" xlink:type="locator"/>
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<link:loc xlink:href="crmt-20151031.xsd#crmt_StockOptionPlanComparisonTableTextBlock" xlink:label="crmt_StockOptionPlanComparisonTableTextBlock" xlink:type="locator"/>
<link:label xlink:label="crmt_StockOptionPlanComparisonTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Option Plan Comparison [Table Text Block]</link:label>
<link:label xlink:label="crmt_StockOptionPlanComparisonTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Schedule of comparison of stock option plans.</link:label>
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<link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:label="dei_CurrentFiscalYearEndDate" xlink:type="locator"/>
<link:label xlink:label="dei_CurrentFiscalYearEndDate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current Fiscal Year End Date</link:label>
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<link:label xlink:label="us-gaap_FairValueByBalanceSheetGroupingTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, by Balance Sheet Grouping [Table Text Block]</link:label>
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<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-i-options-valuation-assumptions-details" xlink:label="crmt_statement-statement-note-i-options-valuation-assumptions-details" xlink:type="locator"/>
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<link:loc xlink:href="crmt-20151031.xsd#crmt_NotesToFinancialStatements" xlink:label="crmt_NotesToFinancialStatements" xlink:type="locator"/>
<link:label xlink:label="crmt_NotesToFinancialStatements-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Notes To Financial Statements</link:label>
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<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProductsAndServicesDomain" xlink:label="us-gaap_ProductsAndServicesDomain" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ProductsAndServicesDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Products and Services [Domain]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProductsAndServicesDomain" xlink:to="us-gaap_ProductsAndServicesDomain-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:type="locator"/>
<link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs</link:label>
<link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Losses, Write-downs</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs-label" xlink:type="arc"/>
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<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized</link:label>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_statement-statement-note-k-supplemental-cash-flow-disclosures-details" xlink:label="crmt_statement-statement-note-k-supplemental-cash-flow-disclosures-details" xlink:type="locator"/>
<link:label xlink:label="crmt_statement-statement-note-k-supplemental-cash-flow-disclosures-details-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">statementnoteksupplementalcashflowdisclosuresdetails</link:label>
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<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions" xlink:label="us-gaap_ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Exercise of stock options and warrants</link:label>
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<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationDate" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationDate" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationDate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Last expiration date for outstanding options</link:label>
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<link:loc xlink:href="crmt-20151031.xsd#crmt_NotesToFinancialStatementsAbstract" xlink:label="crmt_NotesToFinancialStatementsAbstract" xlink:type="locator"/>
<link:label xlink:label="crmt_NotesToFinancialStatementsAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Notes To Financial Statements [Abstract]</link:label>
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<link:label xlink:label="us-gaap_ProductOrServiceAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Products and Services [Axis]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProductOrServiceAxis" xlink:to="us-gaap_ProductOrServiceAxis-label" xlink:type="arc"/>
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<link:label xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod</link:label>
<link:label xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod" xlink:to="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CostsAndExpenses" xlink:label="us-gaap_CostsAndExpenses" xlink:type="locator"/>
<link:label xlink:label="us-gaap_CostsAndExpenses-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_CostsAndExpenses</link:label>
<link:label xlink:label="us-gaap_CostsAndExpenses-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total costs and expenses</link:label>
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<link:label xlink:label="us-gaap_CostsAndExpensesAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Costs and expenses:</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CostsAndExpensesAbstract" xlink:to="us-gaap_CostsAndExpensesAbstract-label" xlink:type="arc"/>
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<link:label xlink:label="us-gaap_LoansReceivableFairValueDisclosure-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LoansReceivableFairValueDisclosure</link:label>
<link:label xlink:label="us-gaap_LoansReceivableFairValueDisclosure-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finance receivables, net</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansReceivableFairValueDisclosure" xlink:to="us-gaap_LoansReceivableFairValueDisclosure-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AwardTypeAxis" xlink:label="us-gaap_AwardTypeAxis" xlink:type="locator"/>
<link:label xlink:label="us-gaap_AwardTypeAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Type [Axis]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AwardTypeAxis" xlink:to="us-gaap_AwardTypeAxis-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityCurrentReportingStatus" xlink:label="dei_EntityCurrentReportingStatus" xlink:type="locator"/>
<link:label xlink:label="dei_EntityCurrentReportingStatus-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Current Reporting Status</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCurrentReportingStatus" xlink:to="dei_EntityCurrentReportingStatus-label" xlink:type="arc"/>
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<link:label xlink:label="us-gaap_DepreciationAndAmortization-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Depreciation and amortization</link:label>
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<link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityVoluntaryFilers" xlink:label="dei_EntityVoluntaryFilers" xlink:type="locator"/>
<link:label xlink:label="dei_EntityVoluntaryFilers-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Voluntary Filers</link:label>
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<link:loc xlink:href="http://xbrl.sec.gov/country/2013/country-2013-01-31.xsd#country_AllCountriesDomain" xlink:label="country_AllCountriesDomain" xlink:type="locator"/>
<link:label xlink:label="country_AllCountriesDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Countries [Domain]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="country_AllCountriesDomain" xlink:to="country_AllCountriesDomain-label" xlink:type="arc"/>
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<link:label xlink:label="dei_EntityFilerCategory-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Filer Category</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFilerCategory" xlink:to="dei_EntityFilerCategory-label" xlink:type="arc"/>
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<link:label xlink:label="dei_DocumentType-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Type</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType-label" xlink:type="arc"/>
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<link:label xlink:label="us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted</link:label>
<link:label xlink:label="us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net income (loss) attributable to common stockholders</link:label>
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<link:label xlink:label="us-gaap_DeferredRevenue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred revenue</link:label>
<link:label xlink:label="us-gaap_DeferredRevenue-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred Revenue</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredRevenue" xlink:to="us-gaap_DeferredRevenue-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:label="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Award [Domain]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain-label" xlink:type="arc"/>
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<link:label xlink:label="us-gaap_GoodwillImpairmentLoss-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_GoodwillImpairmentLoss</link:label>
<link:label xlink:label="us-gaap_GoodwillImpairmentLoss-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill, Impairment Loss</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GoodwillImpairmentLoss" xlink:to="us-gaap_GoodwillImpairmentLoss-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables" xlink:label="us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables" xlink:type="locator"/>
<link:label xlink:label="us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables</link:label>
<link:label xlink:label="us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Less unearned finance charges</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables" xlink:to="us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccountsPayableFairValueDisclosure" xlink:label="us-gaap_AccountsPayableFairValueDisclosure" xlink:type="locator"/>
<link:label xlink:label="us-gaap_AccountsPayableFairValueDisclosure-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AccountsPayableFairValueDisclosure</link:label>
<link:label xlink:label="us-gaap_AccountsPayableFairValueDisclosure-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounts payable</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableFairValueDisclosure" xlink:to="us-gaap_AccountsPayableFairValueDisclosure-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:label="us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disclosure of Compensation Related Costs, Share-based Payments [Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:to="us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investing Activities:</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsOfDebtIssuanceCosts" xlink:label="us-gaap_PaymentsOfDebtIssuanceCosts" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PaymentsOfDebtIssuanceCosts-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_PaymentsOfDebtIssuanceCosts</link:label>
<link:label xlink:label="us-gaap_PaymentsOfDebtIssuanceCosts-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Debt issuance costs</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsOfDebtIssuanceCosts" xlink:to="us-gaap_PaymentsOfDebtIssuanceCosts-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="dei_EntityWellKnownSeasonedIssuer" xlink:type="locator"/>
<link:label xlink:label="dei_EntityWellKnownSeasonedIssuer-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Well-known Seasoned Issuer</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityWellKnownSeasonedIssuer" xlink:to="dei_EntityWellKnownSeasonedIssuer-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:type="locator"/>
<link:label xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net cash provided by operating activities</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivities-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted average number of shares used in calculation:</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract" xlink:to="us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementTable" xlink:label="us-gaap_StatementTable" xlink:type="locator"/>
<link:label xlink:label="us-gaap_StatementTable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement [Table]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementTable" xlink:to="us-gaap_StatementTable-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCredit" xlink:label="us-gaap_LineOfCredit" xlink:type="locator"/>
<link:label xlink:label="us-gaap_LineOfCredit-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revolving credit facilities</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LineOfCredit" xlink:to="us-gaap_LineOfCredit-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:type="locator"/>
<link:label xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents</link:label>
<link:label xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue-label" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents, beginning of period</link:label>
<link:label xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue-label" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents, end of period</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:to="us-gaap_CashAndCashEquivalentsAtCarryingValue-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue</link:label>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="us-gaap_AssetsAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_AssetsAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets:</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsAbstract" xlink:to="us-gaap_AssetsAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_WholesalesThirdPartyMember" xlink:label="crmt_WholesalesThirdPartyMember" xlink:type="locator"/>
<link:label xlink:label="crmt_WholesalesThirdPartyMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Wholesales Third Party [Member]</link:label>
<link:label xlink:label="crmt_WholesalesThirdPartyMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Wholesales with third party.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_WholesalesThirdPartyMember" xlink:to="crmt_WholesalesThirdPartyMember-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CashFlowSupplementalDisclosuresTextBlock" xlink:label="us-gaap_CashFlowSupplementalDisclosuresTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_CashFlowSupplementalDisclosuresTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Flow, Supplemental Disclosures [Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashFlowSupplementalDisclosuresTextBlock" xlink:to="us-gaap_CashFlowSupplementalDisclosuresTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BankOverdrafts" xlink:label="us-gaap_BankOverdrafts" xlink:type="locator"/>
<link:label xlink:label="us-gaap_BankOverdrafts-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_BankOverdrafts</link:label>
<link:label xlink:label="us-gaap_BankOverdrafts-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash overdrafts (see Note B)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BankOverdrafts" xlink:to="us-gaap_BankOverdrafts-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock" xlink:label="us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Cash Flow, Supplemental Disclosures [Table Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock" xlink:to="us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intrinsic value of options exercised</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_SalesUsedAutosMember" xlink:label="crmt_SalesUsedAutosMember" xlink:type="locator"/>
<link:label xlink:label="crmt_SalesUsedAutosMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales Used Autos [Member]</link:label>
<link:label xlink:label="crmt_SalesUsedAutosMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sales of used autos.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_SalesUsedAutosMember" xlink:to="crmt_SalesUsedAutosMember-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:type="locator"/>
<link:label xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</link:label>
<link:label xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) in cash and cash equivalents</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:label="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:to="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_InterestExpense" xlink:label="us-gaap_InterestExpense" xlink:type="locator"/>
<link:label xlink:label="us-gaap_InterestExpense-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest expense</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpense" xlink:to="us-gaap_InterestExpense-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="us-gaap_IncomeStatementAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_IncomeStatementAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Statement [Abstract]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeStatementAbstract" xlink:to="us-gaap_IncomeStatementAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims" xlink:label="crmt_InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims" xlink:type="locator"/>
<link:label xlink:label="crmt_InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims</link:label>
<link:label xlink:label="crmt_InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Inventory acquired in repossession and payment protection plan claims</link:label>
<link:label xlink:label="crmt_InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Inventory acquired in repossession and payment protection plan claims</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims" xlink:to="crmt_InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinancingReceivableAllowanceForCreditLossesWriteoffsNetOfRecoveries" xlink:label="crmt_FinancingReceivableAllowanceForCreditLossesWriteoffsNetOfRecoveries" xlink:type="locator"/>
<link:label xlink:label="crmt_FinancingReceivableAllowanceForCreditLossesWriteoffsNetOfRecoveries-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_FinancingReceivableAllowanceForCreditLossesWriteoffsNetOfRecoveries</link:label>
<link:label xlink:label="crmt_FinancingReceivableAllowanceForCreditLossesWriteoffsNetOfRecoveries-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Charge-offs, net of recovered collateral</link:label>
<link:label xlink:label="crmt_FinancingReceivableAllowanceForCreditLossesWriteoffsNetOfRecoveries-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of direct write-downs of financing receivables charged against the allowance, net of recoveries.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinancingReceivableAllowanceForCreditLossesWriteoffsNetOfRecoveries" xlink:to="crmt_FinancingReceivableAllowanceForCreditLossesWriteoffsNetOfRecoveries-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Shares available for grant at October 31, 2015 (in shares)</link:label>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:type="locator"/>
<link:label xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_NetCashProvidedByUsedInFinancingActivities</link:label>
<link:label xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash provided by (used in) financing activities</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivities-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinancingReceivableContractTermsTableTextBlock" xlink:label="crmt_FinancingReceivableContractTermsTableTextBlock" xlink:type="locator"/>
<link:label xlink:label="crmt_FinancingReceivableContractTermsTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable Contract Terms [Table Text Block]</link:label>
<link:label xlink:label="crmt_FinancingReceivableContractTermsTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing receivable contract terms.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinancingReceivableContractTermsTableTextBlock" xlink:to="crmt_FinancingReceivableContractTermsTableTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_PortfolioWeightedAverageContractTermIncludingModifications" xlink:label="crmt_PortfolioWeightedAverageContractTermIncludingModifications" xlink:type="locator"/>
<link:label xlink:label="crmt_PortfolioWeightedAverageContractTermIncludingModifications-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Portfolio weighted average contract term, including modifications (in months)</link:label>
<link:label xlink:label="crmt_PortfolioWeightedAverageContractTermIncludingModifications-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Portfolio weighted average contract term, including modifications.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_PortfolioWeightedAverageContractTermIncludingModifications" xlink:to="crmt_PortfolioWeightedAverageContractTermIncludingModifications-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_AverageOriginatingContractTerm" xlink:label="crmt_AverageOriginatingContractTerm" xlink:type="locator"/>
<link:label xlink:label="crmt_AverageOriginatingContractTerm-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Average originating contract term (in months)</link:label>
<link:label xlink:label="crmt_AverageOriginatingContractTerm-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Average originating contract term.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_AverageOriginatingContractTerm" xlink:to="crmt_AverageOriginatingContractTerm-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementGeographicalAxis" xlink:label="us-gaap_StatementGeographicalAxis" xlink:type="locator"/>
<link:label xlink:label="us-gaap_StatementGeographicalAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Geographical [Axis]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementGeographicalAxis" xlink:to="us-gaap_StatementGeographicalAxis-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CreditFacilityDomain" xlink:label="us-gaap_CreditFacilityDomain" xlink:type="locator"/>
<link:label xlink:label="us-gaap_CreditFacilityDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Facility [Domain]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CreditFacilityDomain" xlink:to="us-gaap_CreditFacilityDomain-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_CreditFacilitiesAmendmentNumber5Member" xlink:label="crmt_CreditFacilitiesAmendmentNumber5Member" xlink:type="locator"/>
<link:label xlink:label="crmt_CreditFacilitiesAmendmentNumber5Member-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Facilities Amendment Number 5 [Member]</link:label>
<link:label xlink:label="crmt_CreditFacilitiesAmendmentNumber5Member-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents Amendment No. 5 to the Amended and Restated Loan and Security Agreement (“Credit Facilities”) with a group of lenders.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_CreditFacilitiesAmendmentNumber5Member" xlink:to="crmt_CreditFacilitiesAmendmentNumber5Member-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CreditFacilityAxis" xlink:label="us-gaap_CreditFacilityAxis" xlink:type="locator"/>
<link:label xlink:label="us-gaap_CreditFacilityAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Facility [Axis]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CreditFacilityAxis" xlink:to="us-gaap_CreditFacilityAxis-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_LineOfCreditFacilityIncreaseInPricingTiersPercent" xlink:label="crmt_LineOfCreditFacilityIncreaseInPricingTiersPercent" xlink:type="locator"/>
<link:label xlink:label="crmt_LineOfCreditFacilityIncreaseInPricingTiersPercent-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_LineOfCreditFacilityIncreaseInPricingTiersPercent</link:label>
<link:label xlink:label="crmt_LineOfCreditFacilityIncreaseInPricingTiersPercent-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility Increase in Pricing Tiers Percent</link:label>
<link:label xlink:label="crmt_LineOfCreditFacilityIncreaseInPricingTiersPercent-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents increase in pricing tiers percentage.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_LineOfCreditFacilityIncreaseInPricingTiersPercent" xlink:to="crmt_LineOfCreditFacilityIncreaseInPricingTiersPercent-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RevolvingCreditFacilityMember" xlink:label="us-gaap_RevolvingCreditFacilityMember" xlink:type="locator"/>
<link:label xlink:label="us-gaap_RevolvingCreditFacilityMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revolving Credit Facility [Member]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RevolvingCreditFacilityMember" xlink:to="us-gaap_RevolvingCreditFacilityMember-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_AverageDownpaymentPercentage" xlink:label="crmt_AverageDownpaymentPercentage" xlink:type="locator"/>
<link:label xlink:label="crmt_AverageDownpaymentPercentage-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Average down-payment percentage</link:label>
<link:label xlink:label="crmt_AverageDownpaymentPercentage-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Average down-payment percentage</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_AverageDownpaymentPercentage" xlink:to="crmt_AverageDownpaymentPercentage-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities" xlink:label="us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Excess tax benefit from share based compensation</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities" xlink:to="us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GainLossOnDispositionOfAssets" xlink:label="us-gaap_GainLossOnDispositionOfAssets" xlink:type="locator"/>
<link:label xlink:label="us-gaap_GainLossOnDispositionOfAssets-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_GainLossOnDispositionOfAssets</link:label>
<link:label xlink:label="us-gaap_GainLossOnDispositionOfAssets-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Loss on disposal of property and equipment</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossOnDispositionOfAssets" xlink:to="us-gaap_GainLossOnDispositionOfAssets-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinanceReceivablePrincipalBalance" xlink:label="crmt_FinanceReceivablePrincipalBalance" xlink:type="locator"/>
<link:label xlink:label="crmt_FinanceReceivablePrincipalBalance-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total</link:label>
<link:label xlink:label="crmt_FinanceReceivablePrincipalBalance-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Principal balance</link:label>
<link:label xlink:label="crmt_FinanceReceivablePrincipalBalance-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finance Receivable Principal Balance</link:label>
<link:label xlink:label="crmt_FinanceReceivablePrincipalBalance-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The principal balance of finance receivables after deducting unearned finance charges from gross contract amount.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinanceReceivablePrincipalBalance" xlink:to="crmt_FinanceReceivablePrincipalBalance-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueByMeasurementBasisAxis" xlink:label="us-gaap_FairValueByMeasurementBasisAxis" xlink:type="locator"/>
<link:label xlink:label="us-gaap_FairValueByMeasurementBasisAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Basis [Axis]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueByMeasurementBasisAxis" xlink:to="us-gaap_FairValueByMeasurementBasisAxis-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="us-gaap_StockholdersEquity" xlink:type="locator"/>
<link:label xlink:label="us-gaap_StockholdersEquity-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_StockholdersEquity</link:label>
<link:label xlink:label="us-gaap_StockholdersEquity-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total stockholders' equity</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_StockholdersEquity-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_ChangeInFinanceReceivablesNetTableTextBlock" xlink:label="crmt_ChangeInFinanceReceivablesNetTableTextBlock" xlink:type="locator"/>
<link:label xlink:label="crmt_ChangeInFinanceReceivablesNetTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Change In Finance Receivables Net [Table Text Block]</link:label>
<link:label xlink:label="crmt_ChangeInFinanceReceivablesNetTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of the change in finance receivables over specified time period.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_ChangeInFinanceReceivablesNetTableTextBlock" xlink:to="crmt_ChangeInFinanceReceivablesNetTableTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueDisclosureItemAmountsDomain" xlink:label="us-gaap_FairValueDisclosureItemAmountsDomain" xlink:type="locator"/>
<link:label xlink:label="us-gaap_FairValueDisclosureItemAmountsDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurement [Domain]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueDisclosureItemAmountsDomain" xlink:to="us-gaap_FairValueDisclosureItemAmountsDomain-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinanceReceivableCollections" xlink:label="crmt_FinanceReceivableCollections" xlink:type="locator"/>
<link:label xlink:label="crmt_FinanceReceivableCollections-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_FinanceReceivableCollections</link:label>
<link:label xlink:label="crmt_FinanceReceivableCollections-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Finance receivable collections</link:label>
<link:label xlink:label="crmt_FinanceReceivableCollections-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Finance receivable collections</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinanceReceivableCollections" xlink:to="crmt_FinanceReceivableCollections-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsOfDividends" xlink:label="us-gaap_PaymentsOfDividends" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PaymentsOfDividends-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_PaymentsOfDividends</link:label>
<link:label xlink:label="us-gaap_PaymentsOfDividends-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Dividend payments</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsOfDividends" xlink:to="us-gaap_PaymentsOfDividends-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_LossesOnClaimsForPaymentProtectionPlan" xlink:label="crmt_LossesOnClaimsForPaymentProtectionPlan" xlink:type="locator"/>
<link:label xlink:label="crmt_LossesOnClaimsForPaymentProtectionPlan-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_LossesOnClaimsForPaymentProtectionPlan</link:label>
<link:label xlink:label="crmt_LossesOnClaimsForPaymentProtectionPlan-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Losses on claims for payment protection plan</link:label>
<link:label xlink:label="crmt_LossesOnClaimsForPaymentProtectionPlan-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Losses on claims for payment protection plan</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_LossesOnClaimsForPaymentProtectionPlan" xlink:to="crmt_LossesOnClaimsForPaymentProtectionPlan-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SellingGeneralAndAdministrativeExpense" xlink:label="us-gaap_SellingGeneralAndAdministrativeExpense" xlink:type="locator"/>
<link:label xlink:label="us-gaap_SellingGeneralAndAdministrativeExpense-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Selling, general and administrative</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SellingGeneralAndAdministrativeExpense" xlink:to="us-gaap_SellingGeneralAndAdministrativeExpense-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_TableTextBlock" xlink:label="us-gaap_TableTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_TableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_TableTextBlock</link:label>
<link:label xlink:label="us-gaap_TableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Notes Tables</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TableTextBlock" xlink:to="us-gaap_TableTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SegmentReportingPolicyPolicyTextBlock" xlink:label="us-gaap_SegmentReportingPolicyPolicyTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_SegmentReportingPolicyPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting, Policy [Policy Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SegmentReportingPolicyPolicyTextBlock" xlink:to="us-gaap_SegmentReportingPolicyPolicyTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_ServiceContractMember" xlink:label="crmt_ServiceContractMember" xlink:type="locator"/>
<link:label xlink:label="crmt_ServiceContractMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Service Contract [Member]</link:label>
<link:label xlink:label="crmt_ServiceContractMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Describes service contracts</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_ServiceContractMember" xlink:to="crmt_ServiceContractMember-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Risk-free interest rate</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PreferredStockSharesIssued" xlink:label="us-gaap_PreferredStockSharesIssued" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PreferredStockSharesIssued-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred stock, shares issued (in shares)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesIssued" xlink:to="us-gaap_PreferredStockSharesIssued-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EarningsPerSharePolicyTextBlock" xlink:label="us-gaap_EarningsPerSharePolicyTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_EarningsPerSharePolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Policy [Policy Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerSharePolicyTextBlock" xlink:to="us-gaap_EarningsPerSharePolicyTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PreferredStockSharesAuthorized" xlink:label="us-gaap_PreferredStockSharesAuthorized" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PreferredStockSharesAuthorized-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred stock, shares authorized (in shares)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesAuthorized" xlink:to="us-gaap_PreferredStockSharesAuthorized-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Volatility</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PreferredStockParOrStatedValuePerShare" xlink:label="us-gaap_PreferredStockParOrStatedValuePerShare" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PreferredStockParOrStatedValuePerShare-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred stock, par value (in dollars per share)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockParOrStatedValuePerShare" xlink:to="us-gaap_PreferredStockParOrStatedValuePerShare-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:label="us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:type="locator"/>
<link:label xlink:label="us-gaap_EstimateOfFairValueFairValueDisclosureMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimate of Fair Value Measurement [Member]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:to="us-gaap_EstimateOfFairValueFairValueDisclosureMember-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_RestatedOptionPlanMember" xlink:label="crmt_RestatedOptionPlanMember" xlink:type="locator"/>
<link:label xlink:label="crmt_RestatedOptionPlanMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restated Option Plan [Member]</link:label>
<link:label xlink:label="crmt_RestatedOptionPlanMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information about the amended and restated stock option plan.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_RestatedOptionPlanMember" xlink:to="crmt_RestatedOptionPlanMember-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:type="locator"/>
<link:label xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Expected term (years)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1" xlink:to="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNotCurrentlyExpectedToVestOutstandingNumber" xlink:label="crmt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNotCurrentlyExpectedToVestOutstandingNumber" xlink:type="locator"/>
<link:label xlink:label="crmt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNotCurrentlyExpectedToVestOutstandingNumber-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNotCurrentlyExpectedToVestOutstandingNumber</link:label>
<link:label xlink:label="crmt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNotCurrentlyExpectedToVestOutstandingNumber-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Not Currently Expected to Vest, Outstanding, Number</link:label>
<link:label xlink:label="crmt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNotCurrentlyExpectedToVestOutstandingNumber-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">As of the balance sheet date, the number of shares into which not currently expected to vest stock options outstanding can be converted under the option plan.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNotCurrentlyExpectedToVestOutstandingNumber" xlink:to="crmt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNotCurrentlyExpectedToVestOutstandingNumber-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_InventoryNet" xlink:label="us-gaap_InventoryNet" xlink:type="locator"/>
<link:label xlink:label="us-gaap_InventoryNet-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Inventory</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InventoryNet" xlink:to="us-gaap_InventoryNet-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_EmployeeServiceSharebasedCompensationNotCurrentlyExpectedToVestAwardsCompensationCostNotYetRecognized" xlink:label="crmt_EmployeeServiceSharebasedCompensationNotCurrentlyExpectedToVestAwardsCompensationCostNotYetRecognized" xlink:type="locator"/>
<link:label xlink:label="crmt_EmployeeServiceSharebasedCompensationNotCurrentlyExpectedToVestAwardsCompensationCostNotYetRecognized-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_EmployeeServiceSharebasedCompensationNotCurrentlyExpectedToVestAwardsCompensationCostNotYetRecognized</link:label>
<link:label xlink:label="crmt_EmployeeServiceSharebasedCompensationNotCurrentlyExpectedToVestAwardsCompensationCostNotYetRecognized-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Employee Service Share-based Compensation, Not Currently Expected to Vest Awards, Compensation Cost Not yet Recognized</link:label>
<link:label xlink:label="crmt_EmployeeServiceSharebasedCompensationNotCurrentlyExpectedToVestAwardsCompensationCostNotYetRecognized-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Unrecognized cost of not currently expected to vest share-based compensation awards.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_EmployeeServiceSharebasedCompensationNotCurrentlyExpectedToVestAwardsCompensationCostNotYetRecognized" xlink:to="crmt_EmployeeServiceSharebasedCompensationNotCurrentlyExpectedToVestAwardsCompensationCostNotYetRecognized-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PrepaidExpenseAndOtherAssets" xlink:label="us-gaap_PrepaidExpenseAndOtherAssets" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PrepaidExpenseAndOtherAssets-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Prepaid expenses and other assets</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PrepaidExpenseAndOtherAssets" xlink:to="us-gaap_PrepaidExpenseAndOtherAssets-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PreferredStockSharesOutstanding" xlink:label="us-gaap_PreferredStockSharesOutstanding" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PreferredStockSharesOutstanding-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred stock, shares outstanding (in shares)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockSharesOutstanding" xlink:to="us-gaap_PreferredStockSharesOutstanding-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommonStockSharesOutstanding" xlink:label="us-gaap_CommonStockSharesOutstanding" xlink:type="locator"/>
<link:label xlink:label="us-gaap_CommonStockSharesOutstanding-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common stock, shares outstanding (in shares)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesOutstanding" xlink:to="us-gaap_CommonStockSharesOutstanding-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeTaxReceivable" xlink:label="us-gaap_IncomeTaxReceivable" xlink:type="locator"/>
<link:label xlink:label="us-gaap_IncomeTaxReceivable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income taxes receivable, net</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxReceivable" xlink:to="us-gaap_IncomeTaxReceivable-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_CommonStockAdditionalCapitalSharesReservedForFutureIssuance" xlink:label="crmt_CommonStockAdditionalCapitalSharesReservedForFutureIssuance" xlink:type="locator"/>
<link:label xlink:label="crmt_CommonStockAdditionalCapitalSharesReservedForFutureIssuance-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_CommonStockAdditionalCapitalSharesReservedForFutureIssuance</link:label>
<link:label xlink:label="crmt_CommonStockAdditionalCapitalSharesReservedForFutureIssuance-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Stock, Additional Capital Shares Reserved for Future Issuance</link:label>
<link:label xlink:label="crmt_CommonStockAdditionalCapitalSharesReservedForFutureIssuance-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Additional number of common shares reserved for future issuance.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_CommonStockAdditionalCapitalSharesReservedForFutureIssuance" xlink:to="crmt_CommonStockAdditionalCapitalSharesReservedForFutureIssuance-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividend yield</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeTaxPolicyTextBlock" xlink:label="us-gaap_IncomeTaxPolicyTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_IncomeTaxPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax, Policy [Policy Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxPolicyTextBlock" xlink:to="us-gaap_IncomeTaxPolicyTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:label="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from sale of property and equipment</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:to="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber</link:label>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfEntityWideInformationRevenueFromExternalCustomersByProductsAndServicesTextBlock" xlink:label="us-gaap_ScheduleOfEntityWideInformationRevenueFromExternalCustomersByProductsAndServicesTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ScheduleOfEntityWideInformationRevenueFromExternalCustomersByProductsAndServicesTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revenue from External Customers by Products and Services [Table Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfEntityWideInformationRevenueFromExternalCustomersByProductsAndServicesTextBlock" xlink:to="us-gaap_ScheduleOfEntityWideInformationRevenueFromExternalCustomersByProductsAndServicesTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageRemainingContractualTerm1" xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageRemainingContractualTerm1" xlink:type="locator"/>
<link:label xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageRemainingContractualTerm1-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageRemainingContractualTerm1</link:label>
<link:label xlink:label="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageRemainingContractualTerm1-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Remaining Contractual Term</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageRemainingContractualTerm1" xlink:to="us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageRemainingContractualTerm1-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod</link:label>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MinorityInterest" xlink:label="us-gaap_MinorityInterest" xlink:type="locator"/>
<link:label xlink:label="us-gaap_MinorityInterest-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-controlling interest</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MinorityInterest" xlink:to="us-gaap_MinorityInterest-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber</link:label>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:label="us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-based Compensation, Option and Incentive Plans Policy [Policy Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy" xlink:to="us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice</link:label>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableAggregateIntrinsicValue" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableAggregateIntrinsicValue" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableAggregateIntrinsicValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableAggregateIntrinsicValue</link:label>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableAggregateIntrinsicValue-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Aggregate Intrinsic Value</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableAggregateIntrinsicValue" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableAggregateIntrinsicValue-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_LineOfCreditFacilityDecreaseInPricingTiersPercent" xlink:label="crmt_LineOfCreditFacilityDecreaseInPricingTiersPercent" xlink:type="locator"/>
<link:label xlink:label="crmt_LineOfCreditFacilityDecreaseInPricingTiersPercent-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_LineOfCreditFacilityDecreaseInPricingTiersPercent</link:label>
<link:label xlink:label="crmt_LineOfCreditFacilityDecreaseInPricingTiersPercent-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Decrease in Pricing Tiers, Percent</link:label>
<link:label xlink:label="crmt_LineOfCreditFacilityDecreaseInPricingTiersPercent-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Line of credit facility, percentage of decrease in pricing piers.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_LineOfCreditFacilityDecreaseInPricingTiersPercent" xlink:to="crmt_LineOfCreditFacilityDecreaseInPricingTiersPercent-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_MaximumAllowableCapitalExpendituresByCreditFacilitiesAmendment" xlink:label="crmt_MaximumAllowableCapitalExpendituresByCreditFacilitiesAmendment" xlink:type="locator"/>
<link:label xlink:label="crmt_MaximumAllowableCapitalExpendituresByCreditFacilitiesAmendment-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_MaximumAllowableCapitalExpendituresByCreditFacilitiesAmendment</link:label>
<link:label xlink:label="crmt_MaximumAllowableCapitalExpendituresByCreditFacilitiesAmendment-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum Allowable Capital Expenditures By Credit Facilities Amendment</link:label>
<link:label xlink:label="crmt_MaximumAllowableCapitalExpendituresByCreditFacilitiesAmendment-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of capital expenditures allowable under Credit Facilities in the aggregate during any fiscal year.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_MaximumAllowableCapitalExpendituresByCreditFacilitiesAmendment" xlink:to="crmt_MaximumAllowableCapitalExpendituresByCreditFacilitiesAmendment-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:label="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:type="locator"/>
<link:label xlink:label="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest</link:label>
<link:label xlink:label="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total equity</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest" xlink:to="us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_LineOfCreditFacilityAdditionalBorrowingCapacity" xlink:label="crmt_LineOfCreditFacilityAdditionalBorrowingCapacity" xlink:type="locator"/>
<link:label xlink:label="crmt_LineOfCreditFacilityAdditionalBorrowingCapacity-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_LineOfCreditFacilityAdditionalBorrowingCapacity</link:label>
<link:label xlink:label="crmt_LineOfCreditFacilityAdditionalBorrowingCapacity-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Additional Borrowing Capacity</link:label>
<link:label xlink:label="crmt_LineOfCreditFacilityAdditionalBorrowingCapacity-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Additional borrowing capacity of line of credit facility.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_LineOfCreditFacilityAdditionalBorrowingCapacity" xlink:to="crmt_LineOfCreditFacilityAdditionalBorrowingCapacity-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_ContractTermOfContractsIncludedByCreditFacilitiesAmendment" xlink:label="crmt_ContractTermOfContractsIncludedByCreditFacilitiesAmendment" xlink:type="locator"/>
<link:label xlink:label="crmt_ContractTermOfContractsIncludedByCreditFacilitiesAmendment-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_ContractTermOfContractsIncludedByCreditFacilitiesAmendment</link:label>
<link:label xlink:label="crmt_ContractTermOfContractsIncludedByCreditFacilitiesAmendment-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contract Term of Contracts Included by Credit Facilities Amendment</link:label>
<link:label xlink:label="crmt_ContractTermOfContractsIncludedByCreditFacilitiesAmendment-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Contract term of contracts included by credit facilities amendment.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_ContractTermOfContractsIncludedByCreditFacilitiesAmendment" xlink:to="crmt_ContractTermOfContractsIncludedByCreditFacilitiesAmendment-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_PaymentsToAcquirePropertyPlantAndEquipment</link:label>
<link:label xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Purchase of property and equipment</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:to="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_Assets" xlink:label="us-gaap_Assets" xlink:type="locator"/>
<link:label xlink:label="us-gaap_Assets-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_Assets</link:label>
<link:label xlink:label="us-gaap_Assets-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Assets</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Assets" xlink:to="us-gaap_Assets-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AdditionalPaidInCapitalCommonStock" xlink:label="us-gaap_AdditionalPaidInCapitalCommonStock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_AdditionalPaidInCapitalCommonStock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional paid-in capital</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdditionalPaidInCapitalCommonStock" xlink:to="us-gaap_AdditionalPaidInCapitalCommonStock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:label="us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:type="locator"/>
<link:label xlink:label="us-gaap_CarryingReportedAmountFairValueDisclosureMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reported Value Measurement [Member]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:to="us-gaap_CarryingReportedAmountFairValueDisclosureMember-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue</link:label>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="us-gaap_LiabilitiesAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_LiabilitiesAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities:</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAbstract" xlink:to="us-gaap_LiabilitiesAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_PaymentProtectionPlanMember" xlink:label="crmt_PaymentProtectionPlanMember" xlink:type="locator"/>
<link:label xlink:label="crmt_PaymentProtectionPlanMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payment Protection Plan [Member]</link:label>
<link:label xlink:label="crmt_PaymentProtectionPlanMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents deferred payment protection plan revenue.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_PaymentProtectionPlanMember" xlink:to="crmt_PaymentProtectionPlanMember-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="us-gaap_PropertyPlantAndEquipmentNet" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PropertyPlantAndEquipmentNet-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property and equipment, net</link:label>
<link:label xlink:label="us-gaap_PropertyPlantAndEquipmentNet-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="us-gaap_PropertyPlantAndEquipmentNet-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityRegistrantName" xlink:label="dei_EntityRegistrantName" xlink:type="locator"/>
<link:label xlink:label="dei_EntityRegistrantName-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_Goodwill" xlink:label="us-gaap_Goodwill" xlink:type="locator"/>
<link:label xlink:label="us-gaap_Goodwill-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Goodwill" xlink:to="us-gaap_Goodwill-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="dei_EntityCentralIndexKey" xlink:type="locator"/>
<link:label xlink:label="dei_EntityCentralIndexKey-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NumberOfReportableSegments" xlink:label="us-gaap_NumberOfReportableSegments" xlink:type="locator"/>
<link:label xlink:label="us-gaap_NumberOfReportableSegments-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_NumberOfReportableSegments</link:label>
<link:label xlink:label="us-gaap_NumberOfReportableSegments-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of Reportable Segments</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NumberOfReportableSegments" xlink:to="us-gaap_NumberOfReportableSegments-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:label="us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_CommitmentsAndContingenciesDisclosureTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies Disclosure [Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:to="us-gaap_CommitmentsAndContingenciesDisclosureTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PropertyPlantAndEquipmentGross" xlink:label="us-gaap_PropertyPlantAndEquipmentGross" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PropertyPlantAndEquipmentGross-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_PropertyPlantAndEquipmentGross</link:label>
<link:label xlink:label="us-gaap_PropertyPlantAndEquipmentGross-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property and equipment</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentGross" xlink:to="us-gaap_PropertyPlantAndEquipmentGross-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:type="locator"/>
<link:label xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment</link:label>
<link:label xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Less accumulated depreciation and amortization</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:to="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SalesRevenueNet" xlink:label="us-gaap_SalesRevenueNet" xlink:type="locator"/>
<link:label xlink:label="us-gaap_SalesRevenueNet-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_SalesRevenueNet</link:label>
<link:label xlink:label="us-gaap_SalesRevenueNet-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total revenue</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SalesRevenueNet" xlink:to="us-gaap_SalesRevenueNet-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_TemporaryEquityAbstract" xlink:label="us-gaap_TemporaryEquityAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_TemporaryEquityAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mezzanine equity:</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TemporaryEquityAbstract" xlink:to="us-gaap_TemporaryEquityAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="dei_EntityCommonStockSharesOutstanding" xlink:type="locator"/>
<link:label xlink:label="dei_EntityCommonStockSharesOutstanding-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Common Stock, Shares Outstanding (in shares)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCommonStockSharesOutstanding" xlink:to="dei_EntityCommonStockSharesOutstanding-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommitmentsAndContingencies" xlink:label="us-gaap_CommitmentsAndContingencies" xlink:type="locator"/>
<link:label xlink:label="us-gaap_CommitmentsAndContingencies-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and contingencies (Note J)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommitmentsAndContingencies" xlink:to="us-gaap_CommitmentsAndContingencies-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_Liabilities" xlink:label="us-gaap_Liabilities" xlink:type="locator"/>
<link:label xlink:label="us-gaap_Liabilities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total liabilities</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_Liabilities-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_MandatorilyRedeemablePreferredStockFairValueDisclosure" xlink:label="us-gaap_MandatorilyRedeemablePreferredStockFairValueDisclosure" xlink:type="locator"/>
<link:label xlink:label="us-gaap_MandatorilyRedeemablePreferredStockFairValueDisclosure-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mandatorily redeemable preferred stock</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MandatorilyRedeemablePreferredStockFairValueDisclosure" xlink:to="us-gaap_MandatorilyRedeemablePreferredStockFairValueDisclosure-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="us-gaap_EarningsPerShareAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_EarningsPerShareAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings (loss) per share:</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareAbstract" xlink:to="us-gaap_EarningsPerShareAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeDomain" xlink:label="us-gaap_LongtermDebtTypeDomain" xlink:type="locator"/>
<link:label xlink:label="us-gaap_LongtermDebtTypeDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-term Debt, Type [Domain]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongtermDebtTypeDomain" xlink:to="us-gaap_LongtermDebtTypeDomain-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DeferredTaxLiabilities" xlink:label="us-gaap_DeferredTaxLiabilities" xlink:type="locator"/>
<link:label xlink:label="us-gaap_DeferredTaxLiabilities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred income tax liabilities, net</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredTaxLiabilities" xlink:to="us-gaap_DeferredTaxLiabilities-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LongtermDebtTypeAxis" xlink:label="us-gaap_LongtermDebtTypeAxis" xlink:type="locator"/>
<link:label xlink:label="us-gaap_LongtermDebtTypeAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-term Debt, Type [Axis]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongtermDebtTypeAxis" xlink:to="us-gaap_LongtermDebtTypeAxis-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NotesReceivableGross" xlink:label="us-gaap_NotesReceivableGross" xlink:type="locator"/>
<link:label xlink:label="us-gaap_NotesReceivableGross-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gross contract amount</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NotesReceivableGross" xlink:to="us-gaap_NotesReceivableGross-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:label="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable Credit Quality Indicators [Table Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:to="us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:type="locator"/>
<link:label xlink:label="us-gaap_FinancingReceivableRecordedInvestmentCurrent-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentCurrent-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles" xlink:label="us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles" xlink:type="locator"/>
<link:label xlink:label="us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest and other income</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles" xlink:to="us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.sec.gov/dei/2014/dei-2014-01-31.xsd#dei_TradingSymbol" xlink:label="dei_TradingSymbol" xlink:type="locator"/>
<link:label xlink:label="dei_TradingSymbol-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementScenarioAxis" xlink:label="us-gaap_StatementScenarioAxis" xlink:type="locator"/>
<link:label xlink:label="us-gaap_StatementScenarioAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Scenario [Axis]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementScenarioAxis" xlink:to="us-gaap_StatementScenarioAxis-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScenarioUnspecifiedDomain" xlink:label="us-gaap_ScenarioUnspecifiedDomain" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ScenarioUnspecifiedDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Scenario, Unspecified [Domain]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScenarioUnspecifiedDomain" xlink:to="us-gaap_ScenarioUnspecifiedDomain-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FinancingReceivablesTextBlock" xlink:label="us-gaap_FinancingReceivablesTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_FinancingReceivablesTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivables [Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivablesTextBlock" xlink:to="us-gaap_FinancingReceivablesTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:label="us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PastDueFinancingReceivablesTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Past Due Financing Receivables [Table Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:to="us-gaap_PastDueFinancingReceivablesTableTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccountsPayableCurrentAndNoncurrent" xlink:label="us-gaap_AccountsPayableCurrentAndNoncurrent" xlink:type="locator"/>
<link:label xlink:label="us-gaap_AccountsPayableCurrentAndNoncurrent-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounts payable</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsPayableCurrentAndNoncurrent" xlink:to="us-gaap_AccountsPayableCurrentAndNoncurrent-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccruedLiabilitiesCurrentAndNoncurrent" xlink:label="us-gaap_AccruedLiabilitiesCurrentAndNoncurrent" xlink:type="locator"/>
<link:label xlink:label="us-gaap_AccruedLiabilitiesCurrentAndNoncurrent-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accrued liabilities</link:label>
<link:label xlink:label="us-gaap_AccruedLiabilitiesCurrentAndNoncurrent-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccruedLiabilitiesCurrentAndNoncurrent" xlink:to="us-gaap_AccruedLiabilitiesCurrentAndNoncurrent-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SalesAndExciseTaxPayableCurrentAndNoncurrent" xlink:label="us-gaap_SalesAndExciseTaxPayableCurrentAndNoncurrent" xlink:type="locator"/>
<link:label xlink:label="us-gaap_SalesAndExciseTaxPayableCurrentAndNoncurrent-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_SalesAndExciseTaxPayableCurrentAndNoncurrent</link:label>
<link:label xlink:label="us-gaap_SalesAndExciseTaxPayableCurrentAndNoncurrent-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred sales tax (see Note B)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SalesAndExciseTaxPayableCurrentAndNoncurrent" xlink:to="us-gaap_SalesAndExciseTaxPayableCurrentAndNoncurrent-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DisclosureTextBlockAbstract" xlink:label="us-gaap_DisclosureTextBlockAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_DisclosureTextBlockAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DisclosureTextBlockAbstract</link:label>
<link:label xlink:label="us-gaap_DisclosureTextBlockAbstract-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Notes to Financial Statements</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DisclosureTextBlockAbstract" xlink:to="us-gaap_DisclosureTextBlockAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic" xlink:type="locator"/>
<link:label xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic</link:label>
<link:label xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Income before taxes</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic" xlink:to="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_DividendRestrictionsPercentageOfSumOfBorrowingBases" xlink:label="crmt_DividendRestrictionsPercentageOfSumOfBorrowingBases" xlink:type="locator"/>
<link:label xlink:label="crmt_DividendRestrictionsPercentageOfSumOfBorrowingBases-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_DividendRestrictionsPercentageOfSumOfBorrowingBases</link:label>
<link:label xlink:label="crmt_DividendRestrictionsPercentageOfSumOfBorrowingBases-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividend Restrictions Percentage of Sum of Borrowing Bases</link:label>
<link:label xlink:label="crmt_DividendRestrictionsPercentageOfSumOfBorrowingBases-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of sum of borrowing bases specified in dividend restrictions.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_DividendRestrictionsPercentageOfSumOfBorrowingBases" xlink:to="crmt_DividendRestrictionsPercentageOfSumOfBorrowingBases-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:type="locator"/>
<link:label xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DeferredIncomeTaxExpenseBenefit</link:label>
<link:label xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred income taxes</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:to="us-gaap_DeferredIncomeTaxExpenseBenefit-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross</link:label>
<link:label xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:label="us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PropertyPlantAndEquipmentTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment [Table Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentTextBlock" xlink:to="us-gaap_PropertyPlantAndEquipmentTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustments to reconcile net income to net cash provided by operating activities:</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeTaxesPaidNet" xlink:label="us-gaap_IncomeTaxesPaidNet" xlink:type="locator"/>
<link:label xlink:label="us-gaap_IncomeTaxesPaidNet-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_IncomeTaxesPaidNet</link:label>
<link:label xlink:label="us-gaap_IncomeTaxesPaidNet-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income taxes paid, net</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxesPaidNet" xlink:to="us-gaap_IncomeTaxesPaidNet-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue" xlink:label="crmt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue" xlink:type="locator"/>
<link:label xlink:label="crmt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue</link:label>
<link:label xlink:label="crmt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Grant Date Fair Value</link:label>
<link:label xlink:label="crmt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The grant-date fair value of options granted during the reporting period as calculated by applying the disclosed option pricing methodology.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue" xlink:to="crmt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:label="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Change in operating assets and liabilities:</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:to="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_InventoryPolicyTextBlock" xlink:label="us-gaap_InventoryPolicyTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_InventoryPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Inventory, Policy [Policy Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InventoryPolicyTextBlock" xlink:to="us-gaap_InventoryPolicyTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_NumberOfStockOptionPlans" xlink:label="crmt_NumberOfStockOptionPlans" xlink:type="locator"/>
<link:label xlink:label="crmt_NumberOfStockOptionPlans-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_NumberOfStockOptionPlans</link:label>
<link:label xlink:label="crmt_NumberOfStockOptionPlans-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of Stock Option Plans</link:label>
<link:label xlink:label="crmt_NumberOfStockOptionPlans-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of stock option plans the company has.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_NumberOfStockOptionPlans" xlink:to="crmt_NumberOfStockOptionPlans-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="us-gaap_SupplementalCashFlowInformationAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_SupplementalCashFlowInformationAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Supplemental disclosures:</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SupplementalCashFlowInformationAbstract" xlink:to="us-gaap_SupplementalCashFlowInformationAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeTaxExaminationPenaltiesAndInterestAccrued" xlink:label="us-gaap_IncomeTaxExaminationPenaltiesAndInterestAccrued" xlink:type="locator"/>
<link:label xlink:label="us-gaap_IncomeTaxExaminationPenaltiesAndInterestAccrued-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_IncomeTaxExaminationPenaltiesAndInterestAccrued</link:label>
<link:label xlink:label="us-gaap_IncomeTaxExaminationPenaltiesAndInterestAccrued-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income Tax Examination, Penalties and Interest Accrued</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxExaminationPenaltiesAndInterestAccrued" xlink:to="us-gaap_IncomeTaxExaminationPenaltiesAndInterestAccrued-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DepreciationDepletionAndAmortization" xlink:label="us-gaap_DepreciationDepletionAndAmortization" xlink:type="locator"/>
<link:label xlink:label="us-gaap_DepreciationDepletionAndAmortization-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DepreciationDepletionAndAmortization</link:label>
<link:label xlink:label="us-gaap_DepreciationDepletionAndAmortization-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Depreciation and amortization</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepreciationDepletionAndAmortization" xlink:to="us-gaap_DepreciationDepletionAndAmortization-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity" xlink:type="locator"/>
<link:label xlink:label="us-gaap_LiabilitiesAndStockholdersEquity-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LiabilitiesAndStockholdersEquity</link:label>
<link:label xlink:label="us-gaap_LiabilitiesAndStockholdersEquity-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Liabilities, Mezzanine Equity and Equity</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_LiabilitiesAndStockholdersEquity-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfAccruedLiabilitiesTableTextBlock" xlink:label="us-gaap_ScheduleOfAccruedLiabilitiesTableTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ScheduleOfAccruedLiabilitiesTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Accrued Liabilities [Table Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfAccruedLiabilitiesTableTextBlock" xlink:to="us-gaap_ScheduleOfAccruedLiabilitiesTableTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueOfAssetsAcquired" xlink:label="us-gaap_FairValueOfAssetsAcquired" xlink:type="locator"/>
<link:label xlink:label="us-gaap_FairValueOfAssetsAcquired-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_FairValueOfAssetsAcquired</link:label>
<link:label xlink:label="us-gaap_FairValueOfAssetsAcquired-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Inventory acquired in repossession and payment protection plan claims</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueOfAssetsAcquired" xlink:to="us-gaap_FairValueOfAssetsAcquired-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_StockIncentivePlanMember" xlink:label="crmt_StockIncentivePlanMember" xlink:type="locator"/>
<link:label xlink:label="crmt_StockIncentivePlanMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Incentive Plan [Member]</link:label>
<link:label xlink:label="crmt_StockIncentivePlanMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Stock Incentive Plan of the company.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_StockIncentivePlanMember" xlink:to="crmt_StockIncentivePlanMember-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:label="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment, Policy [Policy Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock" xlink:to="us-gaap_PropertyPlantAndEquipmentPolicyTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NoncashInvestingAndFinancingItemsAbstract" xlink:label="us-gaap_NoncashInvestingAndFinancingItemsAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_NoncashInvestingAndFinancingItemsAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-cash transactions:</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoncashInvestingAndFinancingItemsAbstract" xlink:to="us-gaap_NoncashInvestingAndFinancingItemsAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit" xlink:type="locator"/>
<link:label xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained earnings</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RetainedEarningsAccumulatedDeficit" xlink:to="us-gaap_RetainedEarningsAccumulatedDeficit-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:label="us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PropertyPlantAndEquipmentByTypeAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment, Type [Axis]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:to="us-gaap_PropertyPlantAndEquipmentByTypeAxis-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LandMember" xlink:label="us-gaap_LandMember" xlink:type="locator"/>
<link:label xlink:label="us-gaap_LandMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Land [Member]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LandMember" xlink:to="us-gaap_LandMember-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:label="us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PropertyPlantAndEquipmentTypeDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment, Type [Domain]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:to="us-gaap_PropertyPlantAndEquipmentTypeDomain-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_LineOfCreditFacilityDistributionLimitationsMaximumAggregateAmountOfStockRepurchases" xlink:label="crmt_LineOfCreditFacilityDistributionLimitationsMaximumAggregateAmountOfStockRepurchases" xlink:type="locator"/>
<link:label xlink:label="crmt_LineOfCreditFacilityDistributionLimitationsMaximumAggregateAmountOfStockRepurchases-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_LineOfCreditFacilityDistributionLimitationsMaximumAggregateAmountOfStockRepurchases</link:label>
<link:label xlink:label="crmt_LineOfCreditFacilityDistributionLimitationsMaximumAggregateAmountOfStockRepurchases-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility,Distribution Limitations Maximum Aggregate Amount of Stock Repurchases</link:label>
<link:label xlink:label="crmt_LineOfCreditFacilityDistributionLimitationsMaximumAggregateAmountOfStockRepurchases-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the distribution limitations, maximum aggregate amount of stock repurchases.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_LineOfCreditFacilityDistributionLimitationsMaximumAggregateAmountOfStockRepurchases" xlink:to="crmt_LineOfCreditFacilityDistributionLimitationsMaximumAggregateAmountOfStockRepurchases-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases" xlink:label="crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases" xlink:type="locator"/>
<link:label xlink:label="crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases</link:label>
<link:label xlink:label="crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Distribution Limitations Percentage of Sum of Borrowing Bases</link:label>
<link:label xlink:label="crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the distribution limitations, percentage of sum of borrowing bases.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases" xlink:to="crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LeaseholdImprovementsMember" xlink:label="us-gaap_LeaseholdImprovementsMember" xlink:type="locator"/>
<link:label xlink:label="us-gaap_LeaseholdImprovementsMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Leasehold Improvements [Member]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LeaseholdImprovementsMember" xlink:to="us-gaap_LeaseholdImprovementsMember-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome" xlink:label="crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome" xlink:type="locator"/>
<link:label xlink:label="crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome</link:label>
<link:label xlink:label="crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Distribution Limitations Percentage of Consolidated Net Income</link:label>
<link:label xlink:label="crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the distribution limitations, percentage of consolidated net income.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome" xlink:to="crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AmortizationOfFinancingCostsAndDiscounts" xlink:label="us-gaap_AmortizationOfFinancingCostsAndDiscounts" xlink:type="locator"/>
<link:label xlink:label="us-gaap_AmortizationOfFinancingCostsAndDiscounts-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortization of debt issuance costs</link:label>
<link:label xlink:label="us-gaap_AmortizationOfFinancingCostsAndDiscounts-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortization of Financing Costs and Discounts</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AmortizationOfFinancingCostsAndDiscounts" xlink:to="us-gaap_AmortizationOfFinancingCostsAndDiscounts-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_BuildingAndBuildingImprovementsMember" xlink:label="us-gaap_BuildingAndBuildingImprovementsMember" xlink:type="locator"/>
<link:label xlink:label="us-gaap_BuildingAndBuildingImprovementsMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Building and Building Improvements [Member]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BuildingAndBuildingImprovementsMember" xlink:to="us-gaap_BuildingAndBuildingImprovementsMember-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable" xlink:label="crmt_LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable" xlink:type="locator"/>
<link:label xlink:label="crmt_LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable</link:label>
<link:label xlink:label="crmt_LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility Distribution Limitations Minimum Percentage of Aggregate Funds Available</link:label>
<link:label xlink:label="crmt_LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the distribution limitations, minimum percentage of aggregate funds available.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable" xlink:to="crmt_LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinancingReceivableInterestRate" xlink:label="crmt_FinancingReceivableInterestRate" xlink:type="locator"/>
<link:label xlink:label="crmt_FinancingReceivableInterestRate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_FinancingReceivableInterestRate</link:label>
<link:label xlink:label="crmt_FinancingReceivableInterestRate-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable Interest Rate</link:label>
<link:label xlink:label="crmt_FinancingReceivableInterestRate-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the interest rate on installment sale contracts.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinancingReceivableInterestRate" xlink:to="crmt_FinancingReceivableInterestRate-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:label="us-gaap_StatementOfFinancialPositionAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_StatementOfFinancialPositionAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Financial Position [Abstract]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementOfFinancialPositionAbstract" xlink:to="us-gaap_StatementOfFinancialPositionAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities" xlink:label="us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities</link:label>
<link:label xlink:label="us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Excess tax benefit from share based compensation</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities" xlink:to="us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConstructionInProgressMember" xlink:label="us-gaap_ConstructionInProgressMember" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ConstructionInProgressMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Construction in Progress [Member]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConstructionInProgressMember" xlink:to="us-gaap_ConstructionInProgressMember-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="us-gaap_ShareBasedCompensation" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ShareBasedCompensation-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_ShareBasedCompensation</link:label>
<link:label xlink:label="us-gaap_ShareBasedCompensation-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock based compensation</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensation" xlink:to="us-gaap_ShareBasedCompensation-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:label="us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:type="locator"/>
<link:label xlink:label="us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Options exercised (in shares)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:to="us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProceedsFromCollectionOfFinanceReceivables" xlink:label="us-gaap_ProceedsFromCollectionOfFinanceReceivables" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ProceedsFromCollectionOfFinanceReceivables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_ProceedsFromCollectionOfFinanceReceivables</link:label>
<link:label xlink:label="us-gaap_ProceedsFromCollectionOfFinanceReceivables-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finance receivable collections</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromCollectionOfFinanceReceivables" xlink:to="us-gaap_ProceedsFromCollectionOfFinanceReceivables-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:label="us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PropertyPlantAndEquipmentUsefulLife-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_PropertyPlantAndEquipmentUsefulLife</link:label>
<link:label xlink:label="us-gaap_PropertyPlantAndEquipmentUsefulLife-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:to="us-gaap_PropertyPlantAndEquipmentUsefulLife-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="us-gaap_StatementOfCashFlowsAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_StatementOfCashFlowsAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Cash Flows [Abstract]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementOfCashFlowsAbstract" xlink:to="us-gaap_StatementOfCashFlowsAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProfitLoss" xlink:label="us-gaap_ProfitLoss" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ProfitLoss-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net income</link:label>
<link:label xlink:label="us-gaap_ProfitLoss-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net income (loss)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProfitLoss" xlink:to="us-gaap_ProfitLoss-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_TreasuryStockValue" xlink:label="us-gaap_TreasuryStockValue" xlink:type="locator"/>
<link:label xlink:label="us-gaap_TreasuryStockValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_TreasuryStockValue</link:label>
<link:label xlink:label="us-gaap_TreasuryStockValue-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Less: Treasury stock, at cost, 4,249,325 and 4,159,667 shares at October 31, 2015 and April 30, 2015, respectively</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockValue" xlink:to="us-gaap_TreasuryStockValue-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:label="us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:type="locator"/>
<link:label xlink:label="us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dilutive options and restricted stock (in shares)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:to="us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:label="us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:type="locator"/>
<link:label xlink:label="us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill and Intangible Assets, Goodwill, Policy [Policy Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:to="us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SalesRevenueGoodsNet" xlink:label="us-gaap_SalesRevenueGoodsNet" xlink:type="locator"/>
<link:label xlink:label="us-gaap_SalesRevenueGoodsNet-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sales</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SalesRevenueGoodsNet" xlink:to="us-gaap_SalesRevenueGoodsNet-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StockRepurchasedDuringPeriodShares" xlink:label="us-gaap_StockRepurchasedDuringPeriodShares" xlink:type="locator"/>
<link:label xlink:label="us-gaap_StockRepurchasedDuringPeriodShares-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_StockRepurchasedDuringPeriodShares</link:label>
<link:label xlink:label="us-gaap_StockRepurchasedDuringPeriodShares-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock Repurchased During Period, Shares</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockRepurchasedDuringPeriodShares" xlink:to="us-gaap_StockRepurchasedDuringPeriodShares-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StockRepurchasedDuringPeriodValue" xlink:label="us-gaap_StockRepurchasedDuringPeriodValue" xlink:type="locator"/>
<link:label xlink:label="us-gaap_StockRepurchasedDuringPeriodValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_StockRepurchasedDuringPeriodValue</link:label>
<link:label xlink:label="us-gaap_StockRepurchasedDuringPeriodValue-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock Repurchased During Period, Value</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockRepurchasedDuringPeriodValue" xlink:to="us-gaap_StockRepurchasedDuringPeriodValue-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="us-gaap_EarningsPerShareDiluted" xlink:type="locator"/>
<link:label xlink:label="us-gaap_EarningsPerShareDiluted-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Diluted (in dollars per share)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareDiluted" xlink:to="us-gaap_EarningsPerShareDiluted-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EarningsPerShareDilutedOtherDisclosuresAbstract" xlink:label="us-gaap_EarningsPerShareDilutedOtherDisclosuresAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_EarningsPerShareDilutedOtherDisclosuresAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Antidilutive securities not included:</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareDilutedOtherDisclosuresAbstract" xlink:to="us-gaap_EarningsPerShareDilutedOtherDisclosuresAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_InterestPaid" xlink:label="us-gaap_InterestPaid" xlink:type="locator"/>
<link:label xlink:label="us-gaap_InterestPaid-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_InterestPaid</link:label>
<link:label xlink:label="us-gaap_InterestPaid-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest paid</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestPaid" xlink:to="us-gaap_InterestPaid-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:label="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:type="locator"/>
<link:label xlink:label="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Options (in shares)</link:label>
<link:label xlink:label="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:to="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:type="locator"/>
<link:label xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Diluted (in shares)</link:label>
<link:label xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Weighted average shares outstanding-diluted (in shares)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncreaseDecreaseInInventories" xlink:label="us-gaap_IncreaseDecreaseInInventories" xlink:type="locator"/>
<link:label xlink:label="us-gaap_IncreaseDecreaseInInventories-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_IncreaseDecreaseInInventories</link:label>
<link:label xlink:label="us-gaap_IncreaseDecreaseInInventories-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Inventory</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInInventories" xlink:to="us-gaap_IncreaseDecreaseInInventories-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="us-gaap_IncomeTaxExpenseBenefit" xlink:type="locator"/>
<link:label xlink:label="us-gaap_IncomeTaxExpenseBenefit-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provision (benefit) for income taxes</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxExpenseBenefit" xlink:to="us-gaap_IncomeTaxExpenseBenefit-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Activities:</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:type="locator"/>
<link:label xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_NetCashProvidedByUsedInInvestingActivities</link:label>
<link:label xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash used in investing activities</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivities-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:type="locator"/>
<link:label xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Basic (in shares)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:to="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:label="us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:type="locator"/>
<link:label xlink:label="us-gaap_DebtInstrumentBasisSpreadOnVariableRate1-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_DebtInstrumentBasisSpreadOnVariableRate1</link:label>
<link:label xlink:label="us-gaap_DebtInstrumentBasisSpreadOnVariableRate1-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument, Basis Spread on Variable Rate</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:to="us-gaap_DebtInstrumentBasisSpreadOnVariableRate1-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="us-gaap_EarningsPerShareBasic" xlink:type="locator"/>
<link:label xlink:label="us-gaap_EarningsPerShareBasic-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Basic (in dollars per share)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareBasic" xlink:to="us-gaap_EarningsPerShareBasic-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RevenueRecognitionPolicyTextBlock" xlink:label="us-gaap_RevenueRecognitionPolicyTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_RevenueRecognitionPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revenue Recognition, Policy [Policy Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RevenueRecognitionPolicyTextBlock" xlink:to="us-gaap_RevenueRecognitionPolicyTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinancingReceivable30To60DaysPastDuePercentOfPortfolio" xlink:label="crmt_FinancingReceivable30To60DaysPastDuePercentOfPortfolio" xlink:type="locator"/>
<link:label xlink:label="crmt_FinancingReceivable30To60DaysPastDuePercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_FinancingReceivable30To60DaysPastDuePercentOfPortfolio</link:label>
<link:label xlink:label="crmt_FinancingReceivable30To60DaysPastDuePercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">30 - 60 days past due</link:label>
<link:label xlink:label="crmt_FinancingReceivable30To60DaysPastDuePercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing receivable, 30 to 60 days past due, percent of portfolio.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinancingReceivable30To60DaysPastDuePercentOfPortfolio" xlink:to="crmt_FinancingReceivable30To60DaysPastDuePercentOfPortfolio-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinancingReceivableRecordedInvestment30To60DaysPastDue" xlink:label="crmt_FinancingReceivableRecordedInvestment30To60DaysPastDue" xlink:type="locator"/>
<link:label xlink:label="crmt_FinancingReceivableRecordedInvestment30To60DaysPastDue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">30 - 60 days past due</link:label>
<link:label xlink:label="crmt_FinancingReceivableRecordedInvestment30To60DaysPastDue-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing receivables that are less than 61 days past due but more than 29 days past due.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinancingReceivableRecordedInvestment30To60DaysPastDue" xlink:to="crmt_FinancingReceivableRecordedInvestment30To60DaysPastDue-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommonStockValue" xlink:label="us-gaap_CommonStockValue" xlink:type="locator"/>
<link:label xlink:label="us-gaap_CommonStockValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common stock, par value $.01 per share, 50,000,000 shares authorized; 12,708,291 and 12,688,890 issued at October 31, 2015 and April 30, 2015, respectively, of which 8,458,966 and 8,529,223 were outstanding at October 31, 2015 and April 30, 2015, respectively</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockValue" xlink:to="us-gaap_CommonStockValue-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinancingReceivable3To29DaysPastDuePercentOfPortfolio" xlink:label="crmt_FinancingReceivable3To29DaysPastDuePercentOfPortfolio" xlink:type="locator"/>
<link:label xlink:label="crmt_FinancingReceivable3To29DaysPastDuePercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_FinancingReceivable3To29DaysPastDuePercentOfPortfolio</link:label>
<link:label xlink:label="crmt_FinancingReceivable3To29DaysPastDuePercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">3 - 29 days past due</link:label>
<link:label xlink:label="crmt_FinancingReceivable3To29DaysPastDuePercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing receivable, 3 to 29 days past due, percent of portfolio.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinancingReceivable3To29DaysPastDuePercentOfPortfolio" xlink:to="crmt_FinancingReceivable3To29DaysPastDuePercentOfPortfolio-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinancingReceivableRecordedInvestment3To29DaysPastDue" xlink:label="crmt_FinancingReceivableRecordedInvestment3To29DaysPastDue" xlink:type="locator"/>
<link:label xlink:label="crmt_FinancingReceivableRecordedInvestment3To29DaysPastDue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">3 - 29 days past due</link:label>
<link:label xlink:label="crmt_FinancingReceivableRecordedInvestment3To29DaysPastDue-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing receivables that are less than 3-29 days past due.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinancingReceivableRecordedInvestment3To29DaysPastDue" xlink:to="crmt_FinancingReceivableRecordedInvestment3To29DaysPastDue-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:label="us-gaap_StatementClassOfStockAxis" xlink:type="locator"/>
<link:label xlink:label="us-gaap_StatementClassOfStockAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Stock [Axis]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_StatementClassOfStockAxis-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:label="us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:type="locator"/>
<link:label xlink:label="us-gaap_FinanceLoansAndLeasesReceivablePolicy-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finance, Loans and Leases Receivable, Policy [Policy Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:to="us-gaap_FinanceLoansAndLeasesReceivablePolicy-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinanceReceivableOriginations" xlink:label="crmt_FinanceReceivableOriginations" xlink:type="locator"/>
<link:label xlink:label="crmt_FinanceReceivableOriginations-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_FinanceReceivableOriginations</link:label>
<link:label xlink:label="crmt_FinanceReceivableOriginations-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finance receivable originations</link:label>
<link:label xlink:label="crmt_FinanceReceivableOriginations-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents finance receivable origination.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinanceReceivableOriginations" xlink:to="crmt_FinanceReceivableOriginations-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProceedsFromLinesOfCredit" xlink:label="us-gaap_ProceedsFromLinesOfCredit" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ProceedsFromLinesOfCredit-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from revolving credit facilities</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromLinesOfCredit" xlink:to="us-gaap_ProceedsFromLinesOfCredit-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinancingReceivable61To90DaysPastDuePercentOfPortfolio" xlink:label="crmt_FinancingReceivable61To90DaysPastDuePercentOfPortfolio" xlink:type="locator"/>
<link:label xlink:label="crmt_FinancingReceivable61To90DaysPastDuePercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_FinancingReceivable61To90DaysPastDuePercentOfPortfolio</link:label>
<link:label xlink:label="crmt_FinancingReceivable61To90DaysPastDuePercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">61 - 90 days past due</link:label>
<link:label xlink:label="crmt_FinancingReceivable61To90DaysPastDuePercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing receivable, 61 to 90 days past due, percent of portfolio.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinancingReceivable61To90DaysPastDuePercentOfPortfolio" xlink:to="crmt_FinancingReceivable61To90DaysPastDuePercentOfPortfolio-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinancingReceivableRecordedInvestment61To90DaysPastDue" xlink:label="crmt_FinancingReceivableRecordedInvestment61To90DaysPastDue" xlink:type="locator"/>
<link:label xlink:label="crmt_FinancingReceivableRecordedInvestment61To90DaysPastDue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">61 - 90 days past due</link:label>
<link:label xlink:label="crmt_FinancingReceivableRecordedInvestment61To90DaysPastDue-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing receivables that are less than 91 days past due but more than 60 days past due.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinancingReceivableRecordedInvestment61To90DaysPastDue" xlink:to="crmt_FinancingReceivableRecordedInvestment61To90DaysPastDue-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_OtherLiabilitiesDisclosureTextBlock" xlink:label="us-gaap_OtherLiabilitiesDisclosureTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_OtherLiabilitiesDisclosureTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Liabilities Disclosure [Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherLiabilitiesDisclosureTextBlock" xlink:to="us-gaap_OtherLiabilitiesDisclosureTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LettersOfCreditOutstandingAmount" xlink:label="us-gaap_LettersOfCreditOutstandingAmount" xlink:type="locator"/>
<link:label xlink:label="us-gaap_LettersOfCreditOutstandingAmount-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LettersOfCreditOutstandingAmount</link:label>
<link:label xlink:label="us-gaap_LettersOfCreditOutstandingAmount-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Letters of Credit Outstanding, Amount</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LettersOfCreditOutstandingAmount" xlink:to="us-gaap_LettersOfCreditOutstandingAmount-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="us-gaap_CommonStockSharesIssued" xlink:type="locator"/>
<link:label xlink:label="us-gaap_CommonStockSharesIssued-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common stock, shares issued (in shares)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesIssued" xlink:to="us-gaap_CommonStockSharesIssued-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_PaymentProtectionPlanLosses" xlink:label="crmt_PaymentProtectionPlanLosses" xlink:type="locator"/>
<link:label xlink:label="crmt_PaymentProtectionPlanLosses-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_PaymentProtectionPlanLosses</link:label>
<link:label xlink:label="crmt_PaymentProtectionPlanLosses-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Losses on claims for payment protection plan</link:label>
<link:label xlink:label="crmt_PaymentProtectionPlanLosses-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The expense charged against earnings for the period pertaining to debt cancellation under the payment protection plan.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_PaymentProtectionPlanLosses" xlink:to="crmt_PaymentProtectionPlanLosses-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_SignificantAccountingPoliciesTextBlock" xlink:label="us-gaap_SignificantAccountingPoliciesTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_SignificantAccountingPoliciesTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Significant Accounting Policies [Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SignificantAccountingPoliciesTextBlock" xlink:to="us-gaap_SignificantAccountingPoliciesTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="us-gaap_CommonStockSharesAuthorized" xlink:type="locator"/>
<link:label xlink:label="us-gaap_CommonStockSharesAuthorized-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common stock, shares authorized (in shares)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesAuthorized" xlink:to="us-gaap_CommonStockSharesAuthorized-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="us-gaap_AccountingPoliciesAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_AccountingPoliciesAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting Policies [Abstract]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountingPoliciesAbstract" xlink:to="us-gaap_AccountingPoliciesAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinancingReceivableCurrentPercentOfPortfolio" xlink:label="crmt_FinancingReceivableCurrentPercentOfPortfolio" xlink:type="locator"/>
<link:label xlink:label="crmt_FinancingReceivableCurrentPercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_FinancingReceivableCurrentPercentOfPortfolio</link:label>
<link:label xlink:label="crmt_FinancingReceivableCurrentPercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current</link:label>
<link:label xlink:label="crmt_FinancingReceivableCurrentPercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing receivable, current, percent of portfolio.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinancingReceivableCurrentPercentOfPortfolio" xlink:to="crmt_FinancingReceivableCurrentPercentOfPortfolio-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:label="us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_CashAndCashEquivalentsPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and Cash Equivalents, Policy [Policy Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:to="us-gaap_CashAndCashEquivalentsPolicyTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_PaymentProtectionPlanRevenueMember" xlink:label="crmt_PaymentProtectionPlanRevenueMember" xlink:type="locator"/>
<link:label xlink:label="crmt_PaymentProtectionPlanRevenueMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payment Protection Plan Revenue [Member]</link:label>
<link:label xlink:label="crmt_PaymentProtectionPlanRevenueMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Payment protection plan revenue.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_PaymentProtectionPlanRevenueMember" xlink:to="crmt_PaymentProtectionPlanRevenueMember-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfWeightedAverageNumberOfSharesTableTextBlock" xlink:label="us-gaap_ScheduleOfWeightedAverageNumberOfSharesTableTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ScheduleOfWeightedAverageNumberOfSharesTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Weighted Average Number of Shares [Table Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfWeightedAverageNumberOfSharesTableTextBlock" xlink:to="us-gaap_ScheduleOfWeightedAverageNumberOfSharesTableTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_ServiceContractSalesMember" xlink:label="crmt_ServiceContractSalesMember" xlink:type="locator"/>
<link:label xlink:label="crmt_ServiceContractSalesMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Service Contract Sales [Member]</link:label>
<link:label xlink:label="crmt_ServiceContractSalesMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Service contract sales.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_ServiceContractSalesMember" xlink:to="crmt_ServiceContractSalesMember-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RepaymentsOfLinesOfCredit" xlink:label="us-gaap_RepaymentsOfLinesOfCredit" xlink:type="locator"/>
<link:label xlink:label="us-gaap_RepaymentsOfLinesOfCredit-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_RepaymentsOfLinesOfCredit</link:label>
<link:label xlink:label="us-gaap_RepaymentsOfLinesOfCredit-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Payments on revolving credit facilities</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RepaymentsOfLinesOfCredit" xlink:to="us-gaap_RepaymentsOfLinesOfCredit-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare" xlink:type="locator"/>
<link:label xlink:label="us-gaap_CommonStockParOrStatedValuePerShare-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common stock, par value (in dollars per share)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockParOrStatedValuePerShare" xlink:to="us-gaap_CommonStockParOrStatedValuePerShare-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:label="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:type="locator"/>
<link:label xlink:label="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet</link:label>
<link:label xlink:label="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest on finance receivables</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet" xlink:to="us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="us-gaap_RevenuesAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_RevenuesAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revenues:</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RevenuesAbstract" xlink:to="us-gaap_RevenuesAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CommonStockCapitalSharesReservedForFutureIssuance" xlink:label="us-gaap_CommonStockCapitalSharesReservedForFutureIssuance" xlink:type="locator"/>
<link:label xlink:label="us-gaap_CommonStockCapitalSharesReservedForFutureIssuance-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_CommonStockCapitalSharesReservedForFutureIssuance</link:label>
<link:label xlink:label="us-gaap_CommonStockCapitalSharesReservedForFutureIssuance-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common Stock, Capital Shares Reserved for Future Issuance</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockCapitalSharesReservedForFutureIssuance" xlink:to="us-gaap_CommonStockCapitalSharesReservedForFutureIssuance-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DistributionsOnMandatorilyRedeemableSecurities" xlink:label="us-gaap_DistributionsOnMandatorilyRedeemableSecurities" xlink:type="locator"/>
<link:label xlink:label="us-gaap_DistributionsOnMandatorilyRedeemableSecurities-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Less: Dividends on mandatorily redeemable preferred stock</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DistributionsOnMandatorilyRedeemableSecurities" xlink:to="us-gaap_DistributionsOnMandatorilyRedeemableSecurities-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FairValueInputsDiscountRate" xlink:label="us-gaap_FairValueInputsDiscountRate" xlink:type="locator"/>
<link:label xlink:label="us-gaap_FairValueInputsDiscountRate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_FairValueInputsDiscountRate</link:label>
<link:label xlink:label="us-gaap_FairValueInputsDiscountRate-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Inputs, Discount Rate</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsDiscountRate" xlink:to="us-gaap_FairValueInputsDiscountRate-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinancingReceivablePercentOfPortfolio" xlink:label="crmt_FinancingReceivablePercentOfPortfolio" xlink:type="locator"/>
<link:label xlink:label="crmt_FinancingReceivablePercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_FinancingReceivablePercentOfPortfolio</link:label>
<link:label xlink:label="crmt_FinancingReceivablePercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
<link:label xlink:label="crmt_FinancingReceivablePercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing receivable, percent of portfolio.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinancingReceivablePercentOfPortfolio" xlink:to="crmt_FinancingReceivablePercentOfPortfolio-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio" xlink:label="crmt_FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio" xlink:type="locator"/>
<link:label xlink:label="crmt_FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio</link:label>
<link:label xlink:label="crmt_FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">> 90 days past due</link:label>
<link:label xlink:label="crmt_FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing receivable, greater than 90 days past due, percent of portfolio.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio" xlink:to="crmt_FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_OriginationsOfFinancingReceivables" xlink:label="crmt_OriginationsOfFinancingReceivables" xlink:type="locator"/>
<link:label xlink:label="crmt_OriginationsOfFinancingReceivables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_OriginationsOfFinancingReceivables</link:label>
<link:label xlink:label="crmt_OriginationsOfFinancingReceivables-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Finance receivable originations</link:label>
<link:label xlink:label="crmt_OriginationsOfFinancingReceivables-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the increase in financing receivables due to the origination of new finance receivables.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_OriginationsOfFinancingReceivables" xlink:to="crmt_OriginationsOfFinancingReceivables-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PreferredStockValue" xlink:label="us-gaap_PreferredStockValue" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PreferredStockValue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred stock, par value $.01 per share, 1,000,000 shares authorized; none issued or outstanding</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockValue" xlink:to="us-gaap_PreferredStockValue-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinancingReceivableAverageDaysPastDueAtChargeOff" xlink:label="crmt_FinancingReceivableAverageDaysPastDueAtChargeOff" xlink:type="locator"/>
<link:label xlink:label="crmt_FinancingReceivableAverageDaysPastDueAtChargeOff-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_FinancingReceivableAverageDaysPastDueAtChargeOff</link:label>
<link:label xlink:label="crmt_FinancingReceivableAverageDaysPastDueAtChargeOff-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Average Days Past Due At Charge Off</link:label>
<link:label xlink:label="crmt_FinancingReceivableAverageDaysPastDueAtChargeOff-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Average days past due at charge off of financing receivable.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinancingReceivableAverageDaysPastDueAtChargeOff" xlink:to="crmt_FinancingReceivableAverageDaysPastDueAtChargeOff-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LondonInterbankOfferedRateLIBORMember" xlink:label="us-gaap_LondonInterbankOfferedRateLIBORMember" xlink:type="locator"/>
<link:label xlink:label="us-gaap_LondonInterbankOfferedRateLIBORMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">London Interbank Offered Rate (LIBOR) [Member]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LondonInterbankOfferedRateLIBORMember" xlink:to="us-gaap_LondonInterbankOfferedRateLIBORMember-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_UseOfEstimates" xlink:label="us-gaap_UseOfEstimates" xlink:type="locator"/>
<link:label xlink:label="us-gaap_UseOfEstimates-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Use of Estimates, Policy [Policy Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UseOfEstimates" xlink:to="us-gaap_UseOfEstimates-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod" xlink:label="crmt_AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod" xlink:type="locator"/>
<link:label xlink:label="crmt_AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod</link:label>
<link:label xlink:label="crmt_AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allowance for Credit Losses, Primary Factor Units Repossessed or Charged Off Evaluation Period</link:label>
<link:label xlink:label="crmt_AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Historical period of time to evaluate units repossessed or charged-off.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod" xlink:to="crmt_AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_InterestReceivable" xlink:label="us-gaap_InterestReceivable" xlink:type="locator"/>
<link:label xlink:label="us-gaap_InterestReceivable-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accrued interest on finance receivables</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestReceivable" xlink:to="us-gaap_InterestReceivable-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:label="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">New Accounting Pronouncements, Policy [Policy Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:to="us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NotesReceivableNet" xlink:label="us-gaap_NotesReceivableNet" xlink:type="locator"/>
<link:label xlink:label="us-gaap_NotesReceivableNet-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finance receivables, net</link:label>
<link:label xlink:label="us-gaap_NotesReceivableNet-label" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance at beginning of period</link:label>
<link:label xlink:label="us-gaap_NotesReceivableNet-label" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance at end of period</link:label>
<link:label xlink:label="us-gaap_NotesReceivableNet-label" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Finance receivables, net</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NotesReceivableNet" xlink:to="us-gaap_NotesReceivableNet-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue" xlink:label="crmt_FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue" xlink:type="locator"/>
<link:label xlink:label="crmt_FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">> 90 days past due</link:label>
<link:label xlink:label="crmt_FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Recorded Investment Greater Than 90 Days Past Due</link:label>
<link:label xlink:label="crmt_FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing receivables that are greater than 90 days past due.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue" xlink:to="crmt_FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FurnitureFixturesAndEquipmentMember" xlink:label="crmt_FurnitureFixturesAndEquipmentMember" xlink:type="locator"/>
<link:label xlink:label="crmt_FurnitureFixturesAndEquipmentMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Furniture, Fixtures and Equipment [Member]</link:label>
<link:label xlink:label="crmt_FurnitureFixturesAndEquipmentMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Furniture, fixtures and equipment.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FurnitureFixturesAndEquipmentMember" xlink:to="crmt_FurnitureFixturesAndEquipmentMember-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_ArkansasUSAMember" xlink:label="crmt_ArkansasUSAMember" xlink:type="locator"/>
<link:label xlink:label="crmt_ArkansasUSAMember-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Arkansas, USA [Member]</link:label>
<link:label xlink:label="crmt_ArkansasUSAMember-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Arkansas, US [member]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_ArkansasUSAMember" xlink:to="crmt_ArkansasUSAMember-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock" xlink:label="us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock" xlink:to="us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_DellinqueciesGreaterThan30DaysAsPercentageOfAverageFinanceReceivables" xlink:label="crmt_DellinqueciesGreaterThan30DaysAsPercentageOfAverageFinanceReceivables" xlink:type="locator"/>
<link:label xlink:label="crmt_DellinqueciesGreaterThan30DaysAsPercentageOfAverageFinanceReceivables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_DellinqueciesGreaterThan30DaysAsPercentageOfAverageFinanceReceivables</link:label>
<link:label xlink:label="crmt_DellinqueciesGreaterThan30DaysAsPercentageOfAverageFinanceReceivables-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dellinquecies Greater than 30 Days as Percentage of Average Finance Receivables</link:label>
<link:label xlink:label="crmt_DellinqueciesGreaterThan30DaysAsPercentageOfAverageFinanceReceivables-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Dellinquecies Greater Than 30 Days As Percentage Of Average Finance Receivables</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_DellinqueciesGreaterThan30DaysAsPercentageOfAverageFinanceReceivables" xlink:to="crmt_DellinqueciesGreaterThan30DaysAsPercentageOfAverageFinanceReceivables-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:label="us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Share-based Compensation, Stock Options, Activity [Table Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock" xlink:to="us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_VariableRateDomain" xlink:label="us-gaap_VariableRateDomain" xlink:type="locator"/>
<link:label xlink:label="us-gaap_VariableRateDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Rate [Domain]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_VariableRateDomain" xlink:to="us-gaap_VariableRateDomain-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_VariableRateAxis" xlink:label="us-gaap_VariableRateAxis" xlink:type="locator"/>
<link:label xlink:label="us-gaap_VariableRateAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Rate [Axis]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_VariableRateAxis" xlink:to="us-gaap_VariableRateAxis-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ScheduleOfDebtInstrumentsTextBlock" xlink:label="us-gaap_ScheduleOfDebtInstrumentsTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ScheduleOfDebtInstrumentsTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Long-term Debt Instruments [Table Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfDebtInstrumentsTextBlock" xlink:to="us-gaap_ScheduleOfDebtInstrumentsTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_PrincipalCollectedAsAPercentOfAverageFinancingReceivables" xlink:label="crmt_PrincipalCollectedAsAPercentOfAverageFinancingReceivables" xlink:type="locator"/>
<link:label xlink:label="crmt_PrincipalCollectedAsAPercentOfAverageFinancingReceivables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Principal collected as a percent of average finance receivables</link:label>
<link:label xlink:label="crmt_PrincipalCollectedAsAPercentOfAverageFinancingReceivables-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the principal collected as a percent of average finance receivables.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_PrincipalCollectedAsAPercentOfAverageFinancingReceivables" xlink:to="crmt_PrincipalCollectedAsAPercentOfAverageFinancingReceivables-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xlink:label="us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xlink:type="locator"/>
<link:label xlink:label="us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets</link:label>
<link:label xlink:label="us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Prepaid expenses and other assets</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets" xlink:to="us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProvisionForLoanLossesExpensed" xlink:label="us-gaap_ProvisionForLoanLossesExpensed" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ProvisionForLoanLossesExpensed-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Provision for credit losses</link:label>
<link:label xlink:label="us-gaap_ProvisionForLoanLossesExpensed-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision for credit losses</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProvisionForLoanLossesExpensed" xlink:to="us-gaap_ProvisionForLoanLossesExpensed-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_NumberOfOperatingSubsidiaries" xlink:label="crmt_NumberOfOperatingSubsidiaries" xlink:type="locator"/>
<link:label xlink:label="crmt_NumberOfOperatingSubsidiaries-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_NumberOfOperatingSubsidiaries</link:label>
<link:label xlink:label="crmt_NumberOfOperatingSubsidiaries-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of Operating Subsidiaries</link:label>
<link:label xlink:label="crmt_NumberOfOperatingSubsidiaries-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of operating subsidiaries that the entity has.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_NumberOfOperatingSubsidiaries" xlink:to="crmt_NumberOfOperatingSubsidiaries-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfBankOverdrafts" xlink:label="us-gaap_ProceedsFromRepaymentsOfBankOverdrafts" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ProceedsFromRepaymentsOfBankOverdrafts-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Change in cash overdrafts</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromRepaymentsOfBankOverdrafts" xlink:to="us-gaap_ProceedsFromRepaymentsOfBankOverdrafts-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementLineItems" xlink:label="us-gaap_StatementLineItems" xlink:type="locator"/>
<link:label xlink:label="us-gaap_StatementLineItems-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement [Line Items]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementLineItems" xlink:to="us-gaap_StatementLineItems-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_TreasuryStockShares" xlink:label="us-gaap_TreasuryStockShares" xlink:type="locator"/>
<link:label xlink:label="us-gaap_TreasuryStockShares-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury stock, shares (in shares)</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockShares" xlink:to="us-gaap_TreasuryStockShares-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_InterestEarnedOnFinancingReceivables" xlink:label="crmt_InterestEarnedOnFinancingReceivables" xlink:type="locator"/>
<link:label xlink:label="crmt_InterestEarnedOnFinancingReceivables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_InterestEarnedOnFinancingReceivables</link:label>
<link:label xlink:label="crmt_InterestEarnedOnFinancingReceivables-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Earned on Financing Receivables</link:label>
<link:label xlink:label="crmt_InterestEarnedOnFinancingReceivables-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of interest earned on financing receivables.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_InterestEarnedOnFinancingReceivables" xlink:to="crmt_InterestEarnedOnFinancingReceivables-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_CollectionsAsPercentageOfAverageFinancingReceivables" xlink:label="crmt_CollectionsAsPercentageOfAverageFinancingReceivables" xlink:type="locator"/>
<link:label xlink:label="crmt_CollectionsAsPercentageOfAverageFinancingReceivables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_CollectionsAsPercentageOfAverageFinancingReceivables</link:label>
<link:label xlink:label="crmt_CollectionsAsPercentageOfAverageFinancingReceivables-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collections as Percentage of Average Financing Receivables</link:label>
<link:label xlink:label="crmt_CollectionsAsPercentageOfAverageFinancingReceivables-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the percentage of average financing receivables collected during the reported period.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_CollectionsAsPercentageOfAverageFinancingReceivables" xlink:to="crmt_CollectionsAsPercentageOfAverageFinancingReceivables-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinancingReceivablePaymentPeriod" xlink:label="crmt_FinancingReceivablePaymentPeriod" xlink:type="locator"/>
<link:label xlink:label="crmt_FinancingReceivablePaymentPeriod-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_FinancingReceivablePaymentPeriod</link:label>
<link:label xlink:label="crmt_FinancingReceivablePaymentPeriod-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable Payment Period</link:label>
<link:label xlink:label="crmt_FinancingReceivablePaymentPeriod-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the payment period on installment sale contracts from the sale of used vehicles.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinancingReceivablePaymentPeriod" xlink:to="crmt_FinancingReceivablePaymentPeriod-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_TreasuryStockPolicyTextBlock" xlink:label="crmt_TreasuryStockPolicyTextBlock" xlink:type="locator"/>
<link:label xlink:label="crmt_TreasuryStockPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Stock [Policy Text Block]</link:label>
<link:label xlink:label="crmt_TreasuryStockPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the treasury stock accounting policy.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_TreasuryStockPolicyTextBlock" xlink:to="crmt_TreasuryStockPolicyTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_DeferredSalesTaxPolicyTextBlock" xlink:label="crmt_DeferredSalesTaxPolicyTextBlock" xlink:type="locator"/>
<link:label xlink:label="crmt_DeferredSalesTaxPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Sales Tax [Policy Text Block]</link:label>
<link:label xlink:label="crmt_DeferredSalesTaxPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the disclosure of accounting policy for deferred sales tax.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_DeferredSalesTaxPolicyTextBlock" xlink:to="crmt_DeferredSalesTaxPolicyTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConsolidationPolicyTextBlock" xlink:label="us-gaap_ConsolidationPolicyTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ConsolidationPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidation, Policy [Policy Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConsolidationPolicyTextBlock" xlink:to="us-gaap_ConsolidationPolicyTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_CashOverdraftPolicyTextBlock" xlink:label="crmt_CashOverdraftPolicyTextBlock" xlink:type="locator"/>
<link:label xlink:label="crmt_CashOverdraftPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Overdraft [Policy Text Block]</link:label>
<link:label xlink:label="crmt_CashOverdraftPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the disclosure of policy for cash overdrafts.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_CashOverdraftPolicyTextBlock" xlink:to="crmt_CashOverdraftPolicyTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CostOfRevenue" xlink:label="us-gaap_CostOfRevenue" xlink:type="locator"/>
<link:label xlink:label="us-gaap_CostOfRevenue-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cost of sales, excluding depreciation shown below</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CostOfRevenue" xlink:to="us-gaap_CostOfRevenue-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_LineOfCreditFacilityDividendRestrictionsPolicyTextBlock" xlink:label="crmt_LineOfCreditFacilityDividendRestrictionsPolicyTextBlock" xlink:type="locator"/>
<link:label xlink:label="crmt_LineOfCreditFacilityDividendRestrictionsPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Dividend Restrictions [Policy Text Block]</link:label>
<link:label xlink:label="crmt_LineOfCreditFacilityDividendRestrictionsPolicyTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the policy of line of credit facility dividend restrictions.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_LineOfCreditFacilityDividendRestrictionsPolicyTextBlock" xlink:to="crmt_LineOfCreditFacilityDividendRestrictionsPolicyTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EquityAbstract" xlink:label="us-gaap_EquityAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_EquityAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity:</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EquityAbstract" xlink:to="us-gaap_EquityAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_PercentageOfReceivableChargeOffs" xlink:label="crmt_PercentageOfReceivableChargeOffs" xlink:type="locator"/>
<link:label xlink:label="crmt_PercentageOfReceivableChargeOffs-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_PercentageOfReceivableChargeOffs</link:label>
<link:label xlink:label="crmt_PercentageOfReceivableChargeOffs-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of Receivable Charge-Offs</link:label>
<link:label xlink:label="crmt_PercentageOfReceivableChargeOffs-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the percentage of receivable charge offs.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_PercentageOfReceivableChargeOffs" xlink:to="crmt_PercentageOfReceivableChargeOffs-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DebtDisclosureTextBlock" xlink:label="us-gaap_DebtDisclosureTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_DebtDisclosureTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Disclosure [Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtDisclosureTextBlock" xlink:to="us-gaap_DebtDisclosureTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LinesOfCreditFairValueDisclosure" xlink:label="us-gaap_LinesOfCreditFairValueDisclosure" xlink:type="locator"/>
<link:label xlink:label="us-gaap_LinesOfCreditFairValueDisclosure-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LinesOfCreditFairValueDisclosure</link:label>
<link:label xlink:label="us-gaap_LinesOfCreditFairValueDisclosure-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revolving credit facilities</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LinesOfCreditFairValueDisclosure" xlink:to="us-gaap_LinesOfCreditFairValueDisclosure-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_ProvisionForCreditLosses" xlink:label="crmt_ProvisionForCreditLosses" xlink:type="locator"/>
<link:label xlink:label="crmt_ProvisionForCreditLosses-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_ProvisionForCreditLosses</link:label>
<link:label xlink:label="crmt_ProvisionForCreditLosses-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Provision for credit losses</link:label>
<link:label xlink:label="crmt_ProvisionForCreditLosses-label" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Provision for credit losses</link:label>
<link:label xlink:label="crmt_ProvisionForCreditLosses-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents provision for credit losses.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_ProvisionForCreditLosses" xlink:to="crmt_ProvisionForCreditLosses-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio" xlink:label="crmt_FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio" xlink:type="locator"/>
<link:label xlink:label="crmt_FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio</link:label>
<link:label xlink:label="crmt_FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Greater Than or Equal to 30 Days Past Due, Percent of Portfolio</link:label>
<link:label xlink:label="crmt_FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing receivable, percent of portfolio greater than or equal to 30 days past due.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio" xlink:to="crmt_FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinanceReceivablesCustomerPaymentsDueEitherWeeklyOrBiWeeklyPercentage" xlink:label="crmt_FinanceReceivablesCustomerPaymentsDueEitherWeeklyOrBiWeeklyPercentage" xlink:type="locator"/>
<link:label xlink:label="crmt_FinanceReceivablesCustomerPaymentsDueEitherWeeklyOrBiWeeklyPercentage-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_FinanceReceivablesCustomerPaymentsDueEitherWeeklyOrBiWeeklyPercentage</link:label>
<link:label xlink:label="crmt_FinanceReceivablesCustomerPaymentsDueEitherWeeklyOrBiWeeklyPercentage-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finance Receivables, Customer Payments Due Either Weekly or Bi-Weekly, Percentage</link:label>
<link:label xlink:label="crmt_FinanceReceivablesCustomerPaymentsDueEitherWeeklyOrBiWeeklyPercentage-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of of customer payments on Finance Receivables due either weekly or bi-weekly.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinanceReceivablesCustomerPaymentsDueEitherWeeklyOrBiWeeklyPercentage" xlink:to="crmt_FinanceReceivablesCustomerPaymentsDueEitherWeeklyOrBiWeeklyPercentage-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_DividendRestrictionsMaximumAggregateAmountOfStockRepurchases" xlink:label="crmt_DividendRestrictionsMaximumAggregateAmountOfStockRepurchases" xlink:type="locator"/>
<link:label xlink:label="crmt_DividendRestrictionsMaximumAggregateAmountOfStockRepurchases-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_DividendRestrictionsMaximumAggregateAmountOfStockRepurchases</link:label>
<link:label xlink:label="crmt_DividendRestrictionsMaximumAggregateAmountOfStockRepurchases-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividend Restrictions Maximum Aggregate Amount of Stock Repurchases</link:label>
<link:label xlink:label="crmt_DividendRestrictionsMaximumAggregateAmountOfStockRepurchases-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Maximum amount of stock repurchases in connection with the distribution limitations in fifth amendment related to repurchases of the Company’s stock.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_DividendRestrictionsMaximumAggregateAmountOfStockRepurchases" xlink:to="crmt_DividendRestrictionsMaximumAggregateAmountOfStockRepurchases-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_InstallmentSaleContractsWeightedAverageInterestRate" xlink:label="crmt_InstallmentSaleContractsWeightedAverageInterestRate" xlink:type="locator"/>
<link:label xlink:label="crmt_InstallmentSaleContractsWeightedAverageInterestRate-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_InstallmentSaleContractsWeightedAverageInterestRate</link:label>
<link:label xlink:label="crmt_InstallmentSaleContractsWeightedAverageInterestRate-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Installment Sale Contracts, Weighted Average Interest Rate</link:label>
<link:label xlink:label="crmt_InstallmentSaleContractsWeightedAverageInterestRate-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Weighted average interest rate of installment sale contracts.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_InstallmentSaleContractsWeightedAverageInterestRate" xlink:to="crmt_InstallmentSaleContractsWeightedAverageInterestRate-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:type="locator"/>
<link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_FinancingReceivableAllowanceForCreditLosses</link:label>
<link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses-label" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Balance at beginning of period</link:label>
<link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses-label" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Balance at end of period</link:label>
<link:label xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLosses-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Less allowance for credit losses</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:to="us-gaap_FinancingReceivableAllowanceForCreditLosses-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinanceReceivablesNumberOfLoanClasses" xlink:label="crmt_FinanceReceivablesNumberOfLoanClasses" xlink:type="locator"/>
<link:label xlink:label="crmt_FinanceReceivablesNumberOfLoanClasses-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_FinanceReceivablesNumberOfLoanClasses</link:label>
<link:label xlink:label="crmt_FinanceReceivablesNumberOfLoanClasses-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finance Receivables, Number of Loan Classes</link:label>
<link:label xlink:label="crmt_FinanceReceivablesNumberOfLoanClasses-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of loan classes of finance receivables.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinanceReceivablesNumberOfLoanClasses" xlink:to="crmt_FinanceReceivablesNumberOfLoanClasses-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LateFeeIncomeGeneratedByServicingFinancialAssetsAmount" xlink:label="us-gaap_LateFeeIncomeGeneratedByServicingFinancialAssetsAmount" xlink:type="locator"/>
<link:label xlink:label="us-gaap_LateFeeIncomeGeneratedByServicingFinancialAssetsAmount-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LateFeeIncomeGeneratedByServicingFinancialAssetsAmount</link:label>
<link:label xlink:label="us-gaap_LateFeeIncomeGeneratedByServicingFinancialAssetsAmount-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Late Fee Income Generated by Servicing Financial Assets, Amount</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LateFeeIncomeGeneratedByServicingFinancialAssetsAmount" xlink:to="us-gaap_LateFeeIncomeGeneratedByServicingFinancialAssetsAmount-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity" xlink:label="us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity" xlink:type="locator"/>
<link:label xlink:label="us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity</link:label>
<link:label xlink:label="us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Remaining Borrowing Capacity</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity" xlink:to="us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:label="us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:type="locator"/>
<link:label xlink:label="us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity</link:label>
<link:label xlink:label="us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Maximum Borrowing Capacity</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:to="us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_PropertyPlantAndEquipmentUsefulLifeTableTextBlock" xlink:label="crmt_PropertyPlantAndEquipmentUsefulLifeTableTextBlock" xlink:type="locator"/>
<link:label xlink:label="crmt_PropertyPlantAndEquipmentUsefulLifeTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant, and Equipment Useful Life [Table Text Block]</link:label>
<link:label xlink:label="crmt_PropertyPlantAndEquipmentUsefulLifeTableTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of physical assets schedule of useful life.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_PropertyPlantAndEquipmentUsefulLifeTableTextBlock" xlink:to="crmt_PropertyPlantAndEquipmentUsefulLifeTableTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="us-gaap_EquityComponentDomain" xlink:type="locator"/>
<link:label xlink:label="us-gaap_EquityComponentDomain-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Component [Domain]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EquityComponentDomain" xlink:to="us-gaap_EquityComponentDomain-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="us-gaap_StatementEquityComponentsAxis" xlink:type="locator"/>
<link:label xlink:label="us-gaap_StatementEquityComponentsAxis-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Components [Axis]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementEquityComponentsAxis" xlink:to="us-gaap_StatementEquityComponentsAxis-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:label="us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:type="locator"/>
<link:label xlink:label="us-gaap_GainLossOnSaleOfPropertyPlantEquipment-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_GainLossOnSaleOfPropertyPlantEquipment</link:label>
<link:label xlink:label="us-gaap_GainLossOnSaleOfPropertyPlantEquipment-label" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Loss on disposal of property and equipment</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:to="us-gaap_GainLossOnSaleOfPropertyPlantEquipment-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConcentrationRiskPercentage1" xlink:label="us-gaap_ConcentrationRiskPercentage1" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ConcentrationRiskPercentage1-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_ConcentrationRiskPercentage1</link:label>
<link:label xlink:label="us-gaap_ConcentrationRiskPercentage1-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Concentration Risk, Percentage</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConcentrationRiskPercentage1" xlink:to="us-gaap_ConcentrationRiskPercentage1-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_ConcentrationRiskCreditRisk" xlink:label="us-gaap_ConcentrationRiskCreditRisk" xlink:type="locator"/>
<link:label xlink:label="us-gaap_ConcentrationRiskCreditRisk-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk, Credit Risk, Policy [Policy Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConcentrationRiskCreditRisk" xlink:to="us-gaap_ConcentrationRiskCreditRisk-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:label="us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:type="locator"/>
<link:label xlink:label="us-gaap_CashAndCashEquivalentsFairValueDisclosure-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_CashAndCashEquivalentsFairValueDisclosure</link:label>
<link:label xlink:label="us-gaap_CashAndCashEquivalentsFairValueDisclosure-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:to="us-gaap_CashAndCashEquivalentsFairValueDisclosure-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PolicyTextBlockAbstract" xlink:label="us-gaap_PolicyTextBlockAbstract" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PolicyTextBlockAbstract-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_PolicyTextBlockAbstract</link:label>
<link:label xlink:label="us-gaap_PolicyTextBlockAbstract-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounting Policies</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PolicyTextBlockAbstract" xlink:to="us-gaap_PolicyTextBlockAbstract-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_LineOfCreditFacilityExpirationDate1" xlink:label="us-gaap_LineOfCreditFacilityExpirationDate1" xlink:type="locator"/>
<link:label xlink:label="us-gaap_LineOfCreditFacilityExpirationDate1-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_LineOfCreditFacilityExpirationDate1</link:label>
<link:label xlink:label="us-gaap_LineOfCreditFacilityExpirationDate1-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Expiration Date</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LineOfCreditFacilityExpirationDate1" xlink:to="us-gaap_LineOfCreditFacilityExpirationDate1-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_AccountsReceivableAllowanceForCreditLossesPercentage" xlink:label="crmt_AccountsReceivableAllowanceForCreditLossesPercentage" xlink:type="locator"/>
<link:label xlink:label="crmt_AccountsReceivableAllowanceForCreditLossesPercentage-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_AccountsReceivableAllowanceForCreditLossesPercentage</link:label>
<link:label xlink:label="crmt_AccountsReceivableAllowanceForCreditLossesPercentage-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounts Receivable, Allowance for Credit Losses, Percentage</link:label>
<link:label xlink:label="crmt_AccountsReceivableAllowanceForCreditLossesPercentage-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of accounts receivable allowance for credit losses.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_AccountsReceivableAllowanceForCreditLossesPercentage" xlink:to="crmt_AccountsReceivableAllowanceForCreditLossesPercentage-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_NumberOfStores" xlink:label="us-gaap_NumberOfStores" xlink:type="locator"/>
<link:label xlink:label="us-gaap_NumberOfStores-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">us-gaap_NumberOfStores</link:label>
<link:label xlink:label="us-gaap_NumberOfStores-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of Stores</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NumberOfStores" xlink:to="us-gaap_NumberOfStores-label" xlink:type="arc"/>
<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:label="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:type="locator"/>
<link:label xlink:label="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment Disclosure [Text Block]</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:to="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FairValueInputsDiscountRateIntercompanyTransactions" xlink:label="crmt_FairValueInputsDiscountRateIntercompanyTransactions" xlink:type="locator"/>
<link:label xlink:label="crmt_FairValueInputsDiscountRateIntercompanyTransactions-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_FairValueInputsDiscountRateIntercompanyTransactions</link:label>
<link:label xlink:label="crmt_FairValueInputsDiscountRateIntercompanyTransactions-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Inputs, Discount Rate, Intercompany Transactions</link:label>
<link:label xlink:label="crmt_FairValueInputsDiscountRateIntercompanyTransactions-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest rate used to find the present value of an amount to be paid or received in the future for intercompany transactions.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FairValueInputsDiscountRateIntercompanyTransactions" xlink:to="crmt_FairValueInputsDiscountRateIntercompanyTransactions-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_FinanceReceivablesNumberOfRiskPools" xlink:label="crmt_FinanceReceivablesNumberOfRiskPools" xlink:type="locator"/>
<link:label xlink:label="crmt_FinanceReceivablesNumberOfRiskPools-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_FinanceReceivablesNumberOfRiskPools</link:label>
<link:label xlink:label="crmt_FinanceReceivablesNumberOfRiskPools-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finance Receivables, Number of Risk Pools</link:label>
<link:label xlink:label="crmt_FinanceReceivablesNumberOfRiskPools-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Number of risk pools of finance receivables.</link:label>
<link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="crmt_FinanceReceivablesNumberOfRiskPools" xlink:to="crmt_FinanceReceivablesNumberOfRiskPools-label" xlink:type="arc"/>
<link:loc xlink:href="crmt-20151031.xsd#crmt_NetChargeOffsAsPercentageOfAverageFinanceReceivables" xlink:label="crmt_NetChargeOffsAsPercentageOfAverageFinanceReceivables" xlink:type="locator"/>
<link:label xlink:label="crmt_NetChargeOffsAsPercentageOfAverageFinanceReceivables-label" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">crmt_NetChargeOffsAsPercentageOfAverageFinanceReceivables</link:label>
<link:label xlink:label="crmt_NetChargeOffsAsPercentageOfAverageFinanceReceivables-label" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net Charge Offs as Percentage of Average Finance Receivables</link:label>
<link:label xlink:label="crmt_NetChargeOffsAsPercentageOfAverageFinanceReceivables-label" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of average finance receivables charged off.</link:label>
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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>10
<FILENAME>crmt-20151031_pre.xml
<DESCRIPTION>XBRL PRESENTATION FILE
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<XBRL>
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<link:presentationLink xlink:role="http://www.car-mart.com/20151031/role/statement-note-k-supplemental-cash-flow-information" xlink:type="extended">
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<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_CashFlowSupplementalDisclosuresTextBlock" xlink:label="us-gaap_CashFlowSupplementalDisclosuresTextBlock" xlink:type="locator"/>
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<link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2015/elts/us-gaap-2015-01-31.xsd#us-gaap_DisclosureTextBlockAbstract" xlink:label="us-gaap_DisclosureTextBlockAbstract-2" xlink:type="locator"/>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227707288912">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note E - Accrued Liabilities (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Apr. 30, 2015</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccruedSalariesCurrentAndNoncurrent', window );">Employee compensation</a></td>
<td class="nump">$ 3,783<span></span>
</td>
<td class="nump">$ 3,954<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankOverdrafts', window );">Cash overdrafts (see Note B)</a></td>
<td class="nump">1,227<span></span>
</td>
<td class="nump">1,587<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SalesAndExciseTaxPayableCurrentAndNoncurrent', window );">Deferred sales tax (see Note B)</a></td>
<td class="nump">2,773<span></span>
</td>
<td class="nump">2,762<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent', window );">Other</a></td>
<td class="nump">4,521<span></span>
</td>
<td class="nump">4,405<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent', window );">Total</a></td>
<td class="nump">$ 12,304<span></span>
</td>
<td class="nump">$ 12,708<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying value as of the balance sheet date of obligations incurred and payable, pertaining to costs that are statutory in nature, are incurred on contractual obligations, or accumulate over time and for which invoices have not yet been received or will not be rendered. Examples include taxes, interest, rent and utilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.15(5))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.15(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccruedLiabilitiesCurrentAndNoncurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccruedSalariesCurrentAndNoncurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying value as of the balance sheet date of the obligations incurred through that date and payable for employees' services provided.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.15(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.15(5))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccruedSalariesCurrentAndNoncurrent</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOverdrafts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying value as of the balance sheet date of payments made in excess of existing cash balances, which will be honored by the bank but reflected as a loan to the entity. Overdrafts generally have a very short time frame for correction or repayment and are therefore more similar to short-term bank financing than trade financing.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Current Liabilities<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6509677<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.20)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 470<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 10<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=28361426&loc=d3e1243-112600<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_BankOverdrafts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying value as of the balance sheet date of obligations incurred through that date and payable arising from transactions not otherwise specified in the taxonomy.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.15(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.15(5))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OtherAccruedLiabilitiesCurrentAndNoncurrent</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying value as of the balance sheet date of liabilities incurred through that date and payable for statutory sales and use taxes, including value added tax.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.15(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.15(5))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227704471984">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note I - Options Exercised (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Oct. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Options exercised (in shares)</a></td>
<td class="nump">17,750<span></span>
</td>
<td class="nump">88,750<span></span>
</td>
</tr>
<tr class="ro">
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<td class="nump">$ 245<span></span>
</td>
<td class="nump">$ 1,546<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue', window );">Intrinsic value of options exercised</a></td>
<td class="nump">$ 690<span></span>
</td>
<td class="nump">$ 2,129<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromStockOptionsExercised">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow associated with the amount received from holders exercising their stock options. This item inherently excludes any excess tax benefit, which the entity may have realized and reported separately.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (j)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3255-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Financing Activities<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6513228<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromStockOptionsExercised</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated difference between fair value of underlying shares on dates of exercise and exercise price on options exercised (or share units converted) into shares.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (d)(2)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of share options (or share units) exercised during the current period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.3-04)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (c)(1)(iv)(2)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.28,29)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29, 30<br><br><br><br> -Article 5<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227719665616">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note I - Stock Option Plan Comparison (Details)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th">
<div>Oct. 31, 2015 </div>
<div>shares</div>
</th></tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=crmt_NineteenNinetySevenPlanMember', window );">The 1997 Plan [Member]</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_MinimumExercisePriceAsAPercentageOfFairMarketValueAtDateOfGrant', window );">Minimum exercise price as a percentage of fair market value at date of grant</a></td>
<td class="nump">100.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationDate', window );">Last expiration date for outstanding options</a></td>
<td class="text">Jul. 02, 2017<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant', window );">Shares available for grant at October 31, 2015 (in shares)</a></td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=crmt_RestatedOptionPlanMember', window );">Restated Option Plan [Member]</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_MinimumExercisePriceAsAPercentageOfFairMarketValueAtDateOfGrant', window );">Minimum exercise price as a percentage of fair market value at date of grant</a></td>
<td class="nump">100.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationDate', window );">Last expiration date for outstanding options</a></td>
<td class="text">Aug. 05, 2025<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant', window );">Shares available for grant at October 31, 2015 (in shares)</a></td>
<td class="nump">322,250<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_MinimumExercisePriceAsAPercentageOfFairMarketValueAtDateOfGrant">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Minimum exercise price of stock options as a percentage of fair market value at date of grant.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_MinimumExercisePriceAsAPercentageOfFairMarketValueAtDateOfGrant</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Date the equity-based award expires, in CCYY-MM-DD format.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (a)(2)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardExpirationDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The difference between the maximum number of shares (or other type of equity) authorized for issuance under the plan (including the effects of amendments and adjustments), and the sum of: 1) the number of shares (or other type of equity) already issued upon exercise of options or other equity-based awards under the plan; and 2) shares (or other type of equity) reserved for issuance on granting of outstanding awards, net of cancellations and forfeitures, if applicable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PlanNameAxis=crmt_NineteenNinetySevenPlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PlanNameAxis=crmt_NineteenNinetySevenPlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PlanNameAxis=crmt_RestatedOptionPlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PlanNameAxis=crmt_RestatedOptionPlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227712227344">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note C - Changes in Finance Receivables (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Oct. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Balance at beginning of period</a></td>
<td class="nump">$ 324,144<span></span>
</td>
<td class="nump">$ 293,299<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinanceReceivableOriginations', window );">Finance receivable originations</a></td>
<td class="nump">223,266<span></span>
</td>
<td class="nump">222,024<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinanceReceivableCollections', window );">Finance receivable collections</a></td>
<td class="num">(117,593)<span></span>
</td>
<td class="num">(111,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_ProvisionForCreditLosses', window );">Provision for credit losses</a></td>
<td class="num">(73,439)<span></span>
</td>
<td class="num">(59,247)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_LossesOnClaimsForPaymentProtectionPlan', window );">Losses on claims for payment protection plan</a></td>
<td class="num">(6,095)<span></span>
</td>
<td class="num">(4,764)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims', window );">Inventory acquired in repossession and payment protection plan claims</a></td>
<td class="num">(23,054)<span></span>
</td>
<td class="num">(21,272)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Balance at end of period</a></td>
<td class="nump">$ 327,229<span></span>
</td>
<td class="nump">$ 319,040<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinanceReceivableCollections">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Finance receivable collections</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinanceReceivableCollections</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinanceReceivableOriginations">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents finance receivable origination.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinanceReceivableOriginations</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Inventory acquired in repossession and payment protection plan claims</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_InventoryAcquiredInRepossessionAndPaymentProtectionPlanClaims</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>credit</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Losses on claims for payment protection plan</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_LossesOnClaimsForPaymentProtectionPlan</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_ProvisionForCreditLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents provision for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_ProvisionForCreditLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesReceivableNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net amount of the investment in a contractual right to receive money on demand or on fixed or determinable dates that is recognized as an asset in the creditor's statement of financial position. Examples include, but are not limited to, credit card receivables, notes receivable and receivables relating to lessor's rights to payments from leases other than operating leases that have been recorded as assets. Excludes trade accounts receivable with contractual maturity of one year or less and arose from the sale of goods or services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.3)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NotesReceivableNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227717330528">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note I - Stock Based Compensation (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
<tr class="re">
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<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_StockOptionPlanComparisonTableTextBlock', window );">Stock Option Plan Comparison [Table Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: center"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">1997 Plan</td> <td style="PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Restated <br />Option Plan</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Minimum exercise price as a percentage of fair market value at date of grant</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: center">100%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: center">100%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Last expiration date for outstanding options</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" nowrap="nowrap">July 2, 2017</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" nowrap="nowrap">August 5, 2025</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Shares available for grant at October 31, 2015</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center">322,250</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> </table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock', window );">Schedule of Share-based Payment Award, Stock Options, Valuation Assumptions [Table Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: justify">Expected term (years)</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">5.5</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">5.3</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Risk-free interest rate</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1.58</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1.65</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Volatility</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">34</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">35</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Dividend yield</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> </table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock', window );">Schedule of Share-based Compensation, Stock Options, Activity [Table Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(Dollars in thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Options exercised</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">17,750</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">88,750</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Cash received from option exercises</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">245</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1,546</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt">Intrinsic value of options exercised</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">690</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,129</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> </table></div><span></span>
</td>
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<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Schedule of comparison of stock option plans.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_StockOptionPlanComparisonTableTextBlock</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the number and weighted-average exercise prices (or conversion ratios) for share options (or share units) that were outstanding at the beginning and end of the year, vested and expected to vest, exercisable or convertible at the end of the year, and the number of share options or share units that were granted, exercised or converted, forfeited, and expired during the year.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (c)(1)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the significant assumptions used during the year to estimate the fair value of stock options, including, but not limited to: (a) expected term of share options and similar instruments, (b) expected volatility of the entity's shares, (c) expected dividends, (d) risk-free rate(s), and (e) discount for post-vesting restrictions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (f)(2)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TableTextBlock</td>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227711843888">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note K - Supplemental Cash Flow Disclosures (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Oct. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SupplementalCashFlowInformationAbstract', window );"><strong>Supplemental disclosures:</strong></a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestPaid', window );">Interest paid</a></td>
<td class="nump">$ 1,782<span></span>
</td>
<td class="nump">$ 1,376<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxesPaidNet', window );">Income taxes paid, net</a></td>
<td class="nump">2,990<span></span>
</td>
<td class="nump">5,238<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoncashInvestingAndFinancingItemsAbstract', window );"><strong>Non-cash transactions:</strong></a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueOfAssetsAcquired', window );">Inventory acquired in repossession and payment protection plan claims</a></td>
<td class="nump">$ 23,054<span></span>
</td>
<td class="nump">$ 21,272<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The fair value of assets acquired in noncash investing or financing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 5<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4332-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4313-108586<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4304-108586<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueOfAssetsAcquired</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income, net of any cash received during the current period as refunds for the overpayment of taxes.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4297-108586<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxesPaidNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestPaid">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of cash paid for interest during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4297-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 25<br><br><br><br> -Subparagraph (e)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3536-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestPaid</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoncashInvestingAndFinancingItemsAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NoncashInvestingAndFinancingItemsAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SupplementalCashFlowInformationAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SupplementalCashFlowInformationAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>19
<FILENAME>R42.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
function toggleNextSibling (e) {
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e.nextSibling.style.display='block';
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<body>
<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227707805104">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note G - Fair Value of Financial Instruments (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Apr. 30, 2015</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember', window );">Reported Value Measurement [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash</a></td>
<td class="nump">$ 1,386<span></span>
</td>
<td class="nump">$ 790<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Finance receivables, net</a></td>
<td class="nump">327,229<span></span>
</td>
<td class="nump">324,144<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsPayableFairValueDisclosure', window );">Accounts payable</a></td>
<td class="nump">11,841<span></span>
</td>
<td class="nump">11,022<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LinesOfCreditFairValueDisclosure', window );">Revolving credit facilities</a></td>
<td class="nump">104,424<span></span>
</td>
<td class="nump">102,685<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember', window );">Estimate of Fair Value Measurement [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash</a></td>
<td class="nump">1,386<span></span>
</td>
<td class="nump">790<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableFairValueDisclosure', window );">Finance receivables, net</a></td>
<td class="nump">263,012<span></span>
</td>
<td class="nump">256,681<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsPayableFairValueDisclosure', window );">Accounts payable</a></td>
<td class="nump">11,841<span></span>
</td>
<td class="nump">11,022<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LinesOfCreditFairValueDisclosure', window );">Revolving credit facilities</a></td>
<td class="nump">$ 104,424<span></span>
</td>
<td class="nump">$ 102,685<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsPayableFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of liabilities incurred for goods and services received that are used in an entity's business and related party payables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 825<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 14<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13487-108611<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 8<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=28358313&loc=d3e6935-107765<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsPayableFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6506951<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash Equivalents<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6507016<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LinesOfCreditFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of contractual arrangement with a lender under which borrowings can be made up to a specific amount at any point in time.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Line-of-Credit Arrangement<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6517033<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LinesOfCreditFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of loan receivable, including, but not limited to, mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Glossary Loan<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6517073<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LoansReceivableFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>20
<FILENAME>R37.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227717352816">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note C - Average Financing Receivable Contract Terms (Details)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Oct. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_PortfolioWeightedAverageContractTermIncludingModifications', window );">Portfolio weighted average contract term, including modifications (in months)</a></td>
<td class="text">2 years 198 days<span></span>
</td>
<td class="text">2 years 168 days<span></span>
</td>
</tr>
</table>
<div style="display: none;"><table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_PortfolioWeightedAverageContractTermIncludingModifications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Portfolio weighted average contract term, including modifications.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227719449424">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note I - Options Valuation Assumptions (Details)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Oct. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1', window );">Expected term (years)</a></td>
<td class="text">5 years 182 days<span></span>
</td>
<td class="text">5 years 109 days<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate', window );">Risk-free interest rate</a></td>
<td class="nump">1.58%<span></span>
</td>
<td class="nump">1.65%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate', window );">Volatility</a></td>
<td class="nump">34.00%<span></span>
</td>
<td class="nump">35.00%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate', window );">Dividend yield</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The estimated dividend rate (a percentage of the share price) to be paid (expected dividends) to holders of the underlying shares over the option's term.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (f)(2)(iii)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedDividendRate</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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</div></td></tr>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The estimated measure of the percentage by which a share price is expected to fluctuate during a period. Volatility also may be defined as a probability-weighted measure of the dispersion of returns about the mean. The volatility of a share price is the standard deviation of the continuously compounded rates of return on the share over a specified period. That is the same as the standard deviation of the differences in the natural logarithms of the stock prices plus dividends, if any, over the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (f)(2)(ii)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The risk-free interest rate assumption that is used in valuing an option on its own shares.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (f)(2)(iv)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Expected term of share-based compensation awards, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SAB TOPIC 14.D.2)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=27013229&loc=d3e301413-122809<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (f)(2)(i)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 14<br><br><br><br> -Section D<br><br><br><br> -Subsection 2<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1</td>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227702508464">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note D - Property and Equipment<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureTextBlockAbstract', window );"><strong>Notes to Financial Statements</strong></a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock', window );">Property, Plant and Equipment Disclosure [Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN: 0px">D – Property and Equipment</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">A summary of property and equipment is as follows:</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">April 30, 2015</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%">Land</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">6,245</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">6,245</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Buildings and improvements</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,661</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,509</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Furniture, fixtures and equipment</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">13,838</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">13,486</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Leasehold improvements</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">21,891</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">21,023</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Construction in progress</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,240</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1,235</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Less accumulated depreciation and amortization</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(21,057</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(19,535</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">Total</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">34,818</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">33,963</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> </tr> </table> </div></div><span></span>
</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for long-lived, physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, accounting policies and methodology, roll forwards, depreciation, depletion and amortization expense, including composite depreciation, accumulated depreciation, depletion and amortization expense, useful lives and method used, income statement disclosures, assets held for sale and public utility disclosures.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.13-14)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 205<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51717284&loc=d3e1361-107760<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51719941&loc=d3e2921-110230<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<head>
<title></title>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227717500880">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note H - Weighted Average Shares Outstanding (Details Textual)<br></strong></div></th>
<th class="th" colspan="1">3 Months Ended</th>
</tr>
<tr><th class="th">
<div>Oct. 31, 2015 </div>
<div>shares</div>
</th></tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis=crmt_AdditionalEmployeeStockOptionMember', window );">Additional Employee Stock Option [Member]</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount', window );">Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount</a></td>
<td class="nump">325,729<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) or earnings per unit (EPU) in the future that were not included in the computation of diluted EPS or EPU because to do so would increase EPS or EPU amounts or decrease loss per share or unit amounts for the period presented.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Antidilution<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6505113<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Diluted Earnings Per Share<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6510752<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Contingent Stock Agreement<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6508534<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (c)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis=crmt_AdditionalEmployeeStockOptionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis=crmt_AdditionalEmployeeStockOptionMember</td>
</tr>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227707391216">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note B - Property and Equipment, Estimated Useful Lives (Details)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=crmt_FurnitureFixturesAndEquipmentMember', window );">Furniture, Fixtures and Equipment [Member] | Minimum [Member]</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Property, Plant and Equipment</a></td>
<td class="text">3 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=crmt_FurnitureFixturesAndEquipmentMember', window );">Furniture, Fixtures and Equipment [Member] | Maximum [Member]</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Property, Plant and Equipment</a></td>
<td class="text">7 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember', window );">Leasehold Improvements [Member] | Minimum [Member]</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Property, Plant and Equipment</a></td>
<td class="text">5 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember', window );">Leasehold Improvements [Member] | Maximum [Member]</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Property, Plant and Equipment</a></td>
<td class="text">15 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingAndBuildingImprovementsMember', window );">Building and Building Improvements [Member] | Minimum [Member]</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Property, Plant and Equipment</a></td>
<td class="text">18 years<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingAndBuildingImprovementsMember', window );">Building and Building Improvements [Member] | Maximum [Member]</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentUsefulLife', window );">Property, Plant and Equipment</a></td>
<td class="text">39 years<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentUsefulLife">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Useful life of long lived, physical assets used in the normal conduct of business and not intended for resale, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days. Examples include, but not limited to, land, buildings, machinery and equipment, office equipment, furniture and fixtures, and computer equipment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:durationItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=crmt_FurnitureFixturesAndEquipmentMember</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingAndBuildingImprovementsMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingAndBuildingImprovementsMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
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</TEXT>
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<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227702239712">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note B - Summary of Significant Accounting Policies (Details Textual) - USD ($)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
<th class="th" colspan="1">12 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Oct. 31, 2014</div></th>
<th class="th"><div>Apr. 30, 2015</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConcentrationRiskByTypeAxis=us-gaap_CustomerConcentrationRiskMember', window );">Customer Concentration Risk [Member] | Sales Revenue, Net [Member] | Arkansas, USA [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConcentrationRiskPercentage1', window );">Concentration Risk, Percentage</a></td>
<td class="nump">32.00%<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MaximumMember', window );">Maximum [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivableInterestRate', window );">Financing Receivable Interest Rate</a></td>
<td class="nump">15.00%<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod', window );">Allowance for Credit Losses, Primary Factor Units Repossessed or Charged Off Evaluation Period</a></td>
<td class="text">5 years<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MinimumMember', window );">Minimum [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivableInterestRate', window );">Financing Receivable Interest Rate</a></td>
<td class="nump">14.00%<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod', window );">Allowance for Credit Losses, Primary Factor Units Repossessed or Charged Off Evaluation Period</a></td>
<td class="text">1 year<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProductOrServiceAxis=crmt_PaymentProtectionPlanMember', window );">Payment Protection Plan [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredRevenue', window );">Deferred Revenue</a></td>
<td class="nump">$ 16,061,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 15,652,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProductOrServiceAxis=crmt_ServiceContractMember', window );">Service Contract [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredRevenue', window );">Deferred Revenue</a></td>
<td class="nump">9,865,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">9,584,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillImpairmentLoss', window );">Goodwill, Impairment Loss</a></td>
<td class="nump">0<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExaminationPenaltiesAndInterestAccrued', window );">Income Tax Examination, Penalties and Interest Accrued</a></td>
<td class="nump">$ 0<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NumberOfReportableSegments', window );">Number of Reportable Segments</a></td>
<td class="nump">1<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_LineOfCreditFacilityDistributionLimitationsMaximumAggregateAmountOfStockRepurchases', window );">Line of Credit Facility,Distribution Limitations Maximum Aggregate Amount of Stock Repurchases</a></td>
<td class="nump">$ 40,000,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases', window );">Line of Credit Facility, Distribution Limitations Percentage of Sum of Borrowing Bases</a></td>
<td class="nump">30.00%<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome', window );">Line of Credit Facility, Distribution Limitations Percentage of Consolidated Net Income</a></td>
<td class="nump">75.00%<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable', window );">Line of Credit Facility Distribution Limitations Minimum Percentage of Aggregate Funds Available</a></td>
<td class="nump">12.50%<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_InterestEarnedOnFinancingReceivables', window );">Interest Earned on Financing Receivables</a></td>
<td class="nump">$ 1,700,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">2,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinanceReceivablesCustomerPaymentsDueEitherWeeklyOrBiWeeklyPercentage', window );">Finance Receivables, Customer Payments Due Either Weekly or Bi-Weekly, Percentage</a></td>
<td class="nump">73.00%<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio', window );">Financing Receivable, Greater Than or Equal to 30 Days Past Due, Percent of Portfolio</a></td>
<td class="nump">3.50%<span></span>
</td>
<td class="nump">4.40%<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivableAverageDaysPastDueAtChargeOff', window );">Financing Receivable, Average Days Past Due At Charge Off</a></td>
<td class="text">59 days<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_PercentageOfReceivableChargeOffs', window );">Percentage of Receivable Charge-Offs</a></td>
<td class="nump">50.00%<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs', window );">Financing Receivable, Allowance for Credit Losses, Write-downs</a></td>
<td class="nump">$ 100,400,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_AccountsReceivableAllowanceForCreditLossesPercentage', window );">Accounts Receivable, Allowance for Credit Losses, Percentage</a></td>
<td class="nump">25.00%<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinanceReceivablePrincipalBalance', window );">Finance Receivable Principal Balance</a></td>
<td class="nump">$ 427,663,000<span></span>
</td>
<td class="nump">$ 411,500,000<span></span>
</td>
<td class="nump">417,368,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue', window );">Financing Receivable, Recorded Investment Greater Than 90 Days Past Due</a></td>
<td class="nump">1,677,000<span></span>
</td>
<td class="nump">1,967,000<span></span>
</td>
<td class="nump">$ 2,795,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LateFeeIncomeGeneratedByServicingFinancialAssetsAmount', window );">Late Fee Income Generated by Servicing Financial Assets, Amount</a></td>
<td class="nump">$ 996,000<span></span>
</td>
<td class="nump">$ 1,100,000<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodShares', window );">Stock Repurchased During Period, Shares</a></td>
<td class="nump">89,658<span></span>
</td>
<td class="nump">255,208<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodValue', window );">Stock Repurchased During Period, Value</a></td>
<td class="nump">$ 4,000,000<span></span>
</td>
<td class="nump">$ 10,300,000<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_AccountsReceivableAllowanceForCreditLossesPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of accounts receivable allowance for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_AccountsReceivableAllowanceForCreditLossesPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Historical period of time to evaluate units repossessed or charged-off.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_AllowanceForCreditLossesPrimaryFactorUnitsRepossessedOrChargedOffEvaluationPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinanceReceivablePrincipalBalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The principal balance of finance receivables after deducting unearned finance charges from gross contract amount.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinanceReceivablePrincipalBalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinanceReceivablesCustomerPaymentsDueEitherWeeklyOrBiWeeklyPercentage">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of of customer payments on Finance Receivables due either weekly or bi-weekly.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinanceReceivablesCustomerPaymentsDueEitherWeeklyOrBiWeeklyPercentage</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinancingReceivableAverageDaysPastDueAtChargeOff">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Average days past due at charge off of financing receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinancingReceivableAverageDaysPastDueAtChargeOff</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing receivable, percent of portfolio greater than or equal to 30 days past due.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinancingReceivableGreaterThanOrEqualTo30DaysPastDuePercentOfPortfolio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinancingReceivableInterestRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the interest rate on installment sale contracts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinancingReceivableInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing receivables that are greater than 90 days past due.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_InterestEarnedOnFinancingReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of interest earned on financing receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_InterestEarnedOnFinancingReceivables</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_LineOfCreditFacilityDistributionLimitationsMaximumAggregateAmountOfStockRepurchases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the distribution limitations, maximum aggregate amount of stock repurchases.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_LineOfCreditFacilityDistributionLimitationsMaximumAggregateAmountOfStockRepurchases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the distribution limitations, minimum percentage of aggregate funds available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the distribution limitations, percentage of consolidated net income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the distribution limitations, percentage of sum of borrowing bases.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_PercentageOfReceivableChargeOffs">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the percentage of receivable charge offs.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_PercentageOfReceivableChargeOffs</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ConcentrationRiskPercentage1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For an entity that discloses a concentration risk in relation to quantitative amount, which serves as the "benchmark" (or denominator) in the equation, this concept represents the concentration percentage derived from the division.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 275<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 18<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51801978&loc=d3e6351-108592<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 825<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 20<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13531-108611<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 275<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 20<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51801978&loc=d3e6404-108592<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 825<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 21<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13537-108611<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ConcentrationRiskPercentage1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredRevenue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred revenue as of balance sheet date. Deferred revenue represents collections of cash or other assets related to a revenue producing activity for which revenue has not yet been recognized. Generally, an entity records deferred revenue when it receives consideration from a customer before achieving certain criteria that must be met for revenue to be recognized in conformity with GAAP.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 605<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SAB TOPIC 13.A.4(a).Q1 Response)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=27012821&loc=d3e214044-122780<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 13<br><br><br><br> -Section A<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredRevenue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of direct write-downs of financing receivables charged against the allowance.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 11B<br><br><br><br> -Subparagraph (c)(3)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillImpairmentLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of loss from the write-down of an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=35741047&loc=d3e13854-109267<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6388280&loc=d3e13777-109266<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (e)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=35741047&loc=d3e13816-109267<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GoodwillImpairmentLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExaminationPenaltiesAndInterestAccrued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of estimated penalties and interest accrued as of the balance sheet date arising from income tax examinations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 740<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 15<br><br><br><br> -Subparagraph (c)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32718-109319<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExaminationPenaltiesAndInterestAccrued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LateFeeIncomeGeneratedByServicingFinancialAssetsAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>All amounts that are due to the servicer of a financial asset as a result of the debt holder not meeting the monthly payment terms.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 860<br><br><br><br> -SubTopic 50<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (c)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56950315&loc=d3e122596-111746<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LateFeeIncomeGeneratedByServicingFinancialAssetsAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NumberOfReportableSegments">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of segments reported by the entity. A reportable segment is a component of an entity for which there is an accounting requirement to report separate financial information on that component in the entity's financial statements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NumberOfReportableSegments</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchasedDuringPeriodShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares that have been repurchased during the period and have not been retired and are not held in treasury. Some state laws may govern the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29, 30<br><br><br><br> -Article 5<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockRepurchasedDuringPeriodShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchasedDuringPeriodValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Equity impact of the value of stock that has been repurchased during the period and has not been retired and is not held in treasury. Some state laws may mandate the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29, 30, 31<br><br><br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockRepurchasedDuringPeriodValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ConcentrationRiskByTypeAxis=us-gaap_CustomerConcentrationRiskMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ConcentrationRiskByTypeAxis=us-gaap_CustomerConcentrationRiskMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ConcentrationRiskByBenchmarkAxis=us-gaap_SalesRevenueNetMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ConcentrationRiskByBenchmarkAxis=us-gaap_SalesRevenueNetMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementGeographicalAxis=crmt_ArkansasUSAMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementGeographicalAxis=crmt_ArkansasUSAMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProductOrServiceAxis=crmt_PaymentProtectionPlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProductOrServiceAxis=crmt_PaymentProtectionPlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProductOrServiceAxis=crmt_ServiceContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProductOrServiceAxis=crmt_ServiceContractMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
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<head>
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<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227702026544">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note H - Weighted Average Shares of Common Stock Outstanding (Details) - shares<br></strong></div></th>
<th class="th" colspan="2">3 Months Ended</th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Oct. 31, 2014</div></th>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Oct. 31, 2014</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis=us-gaap_EmployeeStockOptionMember', window );">Employee Stock Option [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDilutedOtherDisclosuresAbstract', window );"><strong>Antidilutive securities not included:</strong></a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount', window );">Options (in shares)</a></td>
<td class="nump">251,000<span></span>
</td>
<td class="nump">89,000<span></span>
</td>
<td class="nump">254,500<span></span>
</td>
<td class="nump">79,500<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis=us-gaap_RestrictedStockMember', window );">Restricted Stock [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDilutedOtherDisclosuresAbstract', window );"><strong>Antidilutive securities not included:</strong></a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount', window );">Options (in shares)</a></td>
<td class="nump">9,500<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">4,750<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Basic (in shares)</a></td>
<td class="nump">8,471,918<span></span>
</td>
<td class="nump">8,604,003<span></span>
</td>
<td class="nump">8,492,679<span></span>
</td>
<td class="nump">8,660,173<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment', window );">Dilutive options and restricted stock (in shares)</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">418,434<span></span>
</td>
<td class="nump">360,942<span></span>
</td>
<td class="nump">422,577<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Weighted average shares outstanding-diluted (in shares)</a></td>
<td class="nump">8,471,918<span></span>
</td>
<td class="nump">9,022,437<span></span>
</td>
<td class="nump">8,853,621<span></span>
</td>
<td class="nump">9,082,750<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) or earnings per unit (EPU) in the future that were not included in the computation of diluted EPS or EPU because to do so would increase EPS or EPU amounts or decrease loss per share or unit amounts for the period presented.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Antidilution<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6505113<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Diluted Earnings Per Share<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6510752<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Contingent Stock Agreement<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6508534<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (c)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDilutedOtherDisclosuresAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareDilutedOtherDisclosuresAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The sum of dilutive potential common shares or units used in the calculation of the diluted per-share or per-unit computation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 16<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1505-109256<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 10<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1448-109256<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Weighted-Average Number of Common Shares Outstanding<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6528421<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis=us-gaap_EmployeeStockOptionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis=us-gaap_EmployeeStockOptionMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis=us-gaap_RestrictedStockMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareByAntidilutiveSecuritiesAxis=us-gaap_RestrictedStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227707340832">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note B - Sales (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">3 Months Ended</th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Oct. 31, 2014</div></th>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Oct. 31, 2014</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProductOrServiceAxis=crmt_SalesUsedAutosMember', window );">Sales Used Autos [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SalesRevenueGoodsNet', window );">Sales</a></td>
<td class="nump">$ 98,836<span></span>
</td>
<td class="nump">$ 106,914<span></span>
</td>
<td class="nump">$ 208,094<span></span>
</td>
<td class="nump">$ 208,037<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProductOrServiceAxis=crmt_WholesalesThirdPartyMember', window );">Wholesales Third Party [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SalesRevenueGoodsNet', window );">Sales</a></td>
<td class="nump">6,172<span></span>
</td>
<td class="nump">4,763<span></span>
</td>
<td class="nump">11,842<span></span>
</td>
<td class="nump">9,559<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProductOrServiceAxis=crmt_ServiceContractSalesMember', window );">Service Contract Sales [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SalesRevenueGoodsNet', window );">Sales</a></td>
<td class="nump">6,731<span></span>
</td>
<td class="nump">3,988<span></span>
</td>
<td class="nump">13,543<span></span>
</td>
<td class="nump">7,983<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProductOrServiceAxis=crmt_PaymentProtectionPlanRevenueMember', window );">Payment Protection Plan Revenue [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SalesRevenueGoodsNet', window );">Sales</a></td>
<td class="nump">5,931<span></span>
</td>
<td class="nump">3,770<span></span>
</td>
<td class="nump">11,786<span></span>
</td>
<td class="nump">7,315<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SalesRevenueGoodsNet', window );">Sales</a></td>
<td class="nump">$ 117,670<span></span>
</td>
<td class="nump">$ 119,435<span></span>
</td>
<td class="nump">$ 245,265<span></span>
</td>
<td class="nump">$ 232,894<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SalesRevenueGoodsNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate revenue during the period from the sale of goods in the normal course of business, after deducting returns, allowances and discounts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.1(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SalesRevenueGoodsNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProductOrServiceAxis=crmt_SalesUsedAutosMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProductOrServiceAxis=crmt_SalesUsedAutosMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
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</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProductOrServiceAxis=crmt_WholesalesThirdPartyMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProductOrServiceAxis=crmt_WholesalesThirdPartyMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProductOrServiceAxis=crmt_ServiceContractSalesMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProductOrServiceAxis=crmt_ServiceContractSalesMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProductOrServiceAxis=crmt_PaymentProtectionPlanRevenueMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProductOrServiceAxis=crmt_PaymentProtectionPlanRevenueMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>28
<FILENAME>R31.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227707402160">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note C - Finance Receivables, Net (Details Textual)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Oct. 31, 2014</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MinimumMember', window );">Minimum [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivableInterestRate', window );">Financing Receivable Interest Rate</a></td>
<td class="nump">14.00%<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivablePaymentPeriod', window );">Financing Receivable Payment Period</a></td>
<td class="text">1 year 180 days<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MaximumMember', window );">Maximum [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivableInterestRate', window );">Financing Receivable Interest Rate</a></td>
<td class="nump">15.00%<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivablePaymentPeriod', window );">Financing Receivable Payment Period</a></td>
<td class="text">3 years 180 days<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_InstallmentSaleContractsWeightedAverageInterestRate', window );">Installment Sale Contracts, Weighted Average Interest Rate</a></td>
<td class="nump">14.90%<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinanceReceivablesNumberOfLoanClasses', window );">Finance Receivables, Number of Loan Classes</a></td>
<td class="nump">1<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinanceReceivablesNumberOfRiskPools', window );">Finance Receivables, Number of Risk Pools</a></td>
<td class="nump">1<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_NetChargeOffsAsPercentageOfAverageFinanceReceivables', window );">Net Charge Offs as Percentage of Average Finance Receivables</a></td>
<td class="nump">15.60%<span></span>
</td>
<td class="nump">13.40%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_CollectionsAsPercentageOfAverageFinancingReceivables', window );">Collections as Percentage of Average Financing Receivables</a></td>
<td class="nump">27.70%<span></span>
</td>
<td class="nump">28.20%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_DellinqueciesGreaterThan30DaysAsPercentageOfAverageFinanceReceivables', window );">Dellinquecies Greater than 30 Days as Percentage of Average Finance Receivables</a></td>
<td class="nump">3.50%<span></span>
</td>
<td class="nump">4.40%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_CollectionsAsPercentageOfAverageFinancingReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the percentage of average financing receivables collected during the reported period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_CollectionsAsPercentageOfAverageFinancingReceivables</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_DellinqueciesGreaterThan30DaysAsPercentageOfAverageFinanceReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Dellinquecies Greater Than 30 Days As Percentage Of Average Finance Receivables</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_DellinqueciesGreaterThan30DaysAsPercentageOfAverageFinanceReceivables</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinanceReceivablesNumberOfLoanClasses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of loan classes of finance receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinanceReceivablesNumberOfLoanClasses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinanceReceivablesNumberOfRiskPools">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of risk pools of finance receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinanceReceivablesNumberOfRiskPools</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinancingReceivableInterestRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the interest rate on installment sale contracts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinancingReceivableInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinancingReceivablePaymentPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the payment period on installment sale contracts from the sale of used vehicles.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinancingReceivablePaymentPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_InstallmentSaleContractsWeightedAverageInterestRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average interest rate of installment sale contracts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_InstallmentSaleContractsWeightedAverageInterestRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_NetChargeOffsAsPercentageOfAverageFinanceReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The percentage of average finance receivables charged off.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_NetChargeOffsAsPercentageOfAverageFinanceReceivables</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>29
<FILENAME>R8.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
function toggleNextSibling (e) {
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227707429184">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note C - Finance Receivables, Net<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureTextBlockAbstract', window );"><strong>Notes to Financial Statements</strong></a></td>
<td class="text"> <span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablesTextBlock', window );">Financing Receivables [Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; FONT-WEIGHT: bold; MARGIN: 0px">C – Finance Receivables, Net</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company originates installment sale contracts from the sale of used vehicles at its dealerships. These installment sale contracts typically include interest rates ranging from 14% to 15% per annum, are collateralized by the vehicle sold and typically provide for payments over periods ranging from 18 to 42 months. The weighted average interest rate for the portfolio was approximately 14.9% at October 31, 2015. The Company’s finance receivables are defined as one segment and one class of loans, which is sub-prime consumer automobile contracts. The level of risks inherent in the Company’s financing receivables is managed as one homogeneous pool. The components of finance receivables are as follows:</div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-weight: bold;"> </div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">April 30, 2015</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Gross contract amount</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">488,424</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">477,305</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Less unearned finance charges</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(60,761</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(59,937</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left; TEXT-INDENT: 40pt">Principal balance</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">427,663</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">417,368</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Less allowance for credit losses</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(100,434</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(93,224</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt; TEXT-ALIGN: left">Finance receivables, net</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">327,229</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">324,144</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">Changes in the finance receivables, net are as follows:</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%">Balance at beginning of period</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">324,144</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">293,299</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Finance receivable originations</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">223,266</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">222,024</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Finance receivable collections</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(117,593</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(111,000</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Provision for credit losses</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(73,439</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(59,247</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Losses on claims for payment protection plan</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(6,095</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(4,764</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Inventory acquired in repossession and payment protection plan claims</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(23,054</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(21,272</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Balance at end of period</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">327,229</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">319,040</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">Changes in the finance receivables allowance for credit losses are as follows:</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;"> </div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%">Balance at beginning of period</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">93,224</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">86,033</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Provision for credit losses</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">73,439</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">59,247</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Charge-offs, net of recovered collateral</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(66,229</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(52,820</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Balance at end of period</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">100,434</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">92,460</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The factors which influenced management’s judgment in determining the amount of the additions to the allowance charged to provision for credit losses are described below:</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 0.5in"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The level of actual charge-offs, net of recovered collateral, is the most important factor in determining the charges to the provision for credit losses. This is due to the fact that once a contract becomes delinquent the account is either made current by the customer, the vehicle is repossessed or the account is written off if the collateral cannot be recovered. Net charge-offs as a percentage of average finance receivables increased to 15.6% for the six months ended October 31, 2015 compared to 13.4% for the same period in the prior year. The increase in net charge-offs for the first six months of fiscal 2016 resulted from an increased frequency of losses as well as an increase in the severity of losses resulting from lower wholesale values at repossession.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">Collections and delinquency levels can have a significant effect on additions to the allowance and are reviewed frequently. Collections as a percentage of average finance receivables were 27.7% for the six months ended October 31, 2015 compared to 28.2% for the prior year period. The decrease in collections as a percentage of average finance receivables primarily resulted from the longer average term and slightly higher contract modifications offset by lower delinquencies and a higher level of early pay-offs. Delinquencies greater than 30 days were 3.5% for October 31, 2015 and 4.4% at October 31, 2014.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">Macro-economic factors, the competitive environment, and more importantly, proper execution of operational policies and procedures can have a significant effect on additions to the allowance charged to the provision. Unemployment levels, gasoline prices and prices for staple items can potentially have a significant effect on collections and delinquency levels, and ultimately on net charge-offs. We believe our customers continue to be under significant pressure due to the persistent difficult macro-economic environment for the Company’s customer base. We expect these conditions to continue in the near to mid-term future. The Company continues to focus on operational improvements within the collections area such as credit reporting for customers and implementation of GPS technology on vehicles sold.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">Credit quality information for finance receivables is as follows:</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; COLOR: red; FONT: 9pt Sans-Serif"><div style="display: inline; font-weight: bold;"></div></div><div style="display: inline; FONT-SIZE: 10pt"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; FONT-SIZE: 10pt"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(Dollars in thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">October 31, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">April 30, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">October 31, 2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> <br /> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> <br /> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Principal<br />Balance</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> <br /> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Percent of<br />Portfolio</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> <br /> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Principal<br />Balance</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> <br /> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Percent of<br />Portfolio</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> <br /> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Principal<br />Balance</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> <br /> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Percent of<br />Portfolio</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 22%">Current</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">365,346</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">85.44</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">329,329</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">78.91</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">341,555</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">83.00</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">3 - 29 days past due</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">47,406</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11.08</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">64,004</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">15.33</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">51,990</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">12.63</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">30 - 60 days past due</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">10,320</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2.41</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">12,777</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">3.06</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">12,002</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2.92</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">61 - 90 days past due</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,914</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">0.68</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">8,463</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2.03</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">3,986</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">0.97</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">> 90 days past due</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">1,677</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">0.39</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">2,795</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">0.67</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">1,967</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">0.48</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt; TEXT-INDENT: 20pt">Total</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">427,663</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">100.00</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">417,368</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">100.00</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">411,500</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">100.00</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">%</td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; FONT-SIZE: 10pt"> </div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">Accounts one and two days past due are considered current for this analysis, due to the varying payment dates and variation in the day of the week at each period end. Delinquencies may vary from period to period based on the average age of the portfolio, seasonality within the calendar year, the day of the week and overall economic factors. The above categories are consistent with internal operational measures used by the Company to monitor credit results.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">Substantially all of the Company’s automobile contracts involve contracts made to individuals with impaired or limited credit histories, or higher debt-to-income ratios than permitted by traditional lenders. Contracts made with buyers who are restricted in their ability to obtain financing from traditional lenders generally entail a higher risk of delinquency, default and repossession, and higher losses than contracts made with buyers with better credit. The Company monitors contract term length, down payment percentages, and collections for credit quality indicators.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Principal collected as a percent of average finance receivables</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">27.7</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">28.2</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Average down-payment percentage</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">6.5</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">6.8</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; FONT-WEIGHT: normal; TEXT-ALIGN: left">Average originating contract term <div style="display: inline; FONT-SIZE: 10pt; FONT-WEIGHT: normal"><div style="display: inline; font-style: italic;">(in months</div><div style="display: inline; FONT-STYLE: normal">)</div></div></td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">28.4</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">27.4</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> </table> </div> <div style=" MARGIN: 0px"> </div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2015</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; FONT-WEIGHT: normal; TEXT-ALIGN: left">Portfolio weighted average contract term, including modifications <div style="display: inline; FONT-SIZE: 10pt; FONT-WEIGHT: normal"><div style="display: inline; font-style: italic;">(in months</div><div style="display: inline; FONT-STYLE: normal">)</div></div></td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">30.6</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">29.6</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The decrease in the principal collected as a percent of average finance receivables was primarily due to the longer average term and slightly higher contract modifications offset by lower delinquencies and a higher level of early pay-offs. The increases in the portfolio weighted average contract term are primarily related to efforts to keep payments affordable, for competitive reasons and to continue to work more with our customers when they experience financial difficulties. In order to remain competitive, term lengths may continue to increase.</div></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<td style="white-space:nowrap;">us-gaap_DisclosureTextBlockAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for financing receivables. Examples of financing receivables include, but are not limited to, loans, trade accounts receivables, notes receivable, credit cards, and receivables relating to a lessor's right(s) to payment(s) from a lease other than an operating lease that is recognized as assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 14<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953791-111525<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e4975-111524<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivablesTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>30
<FILENAME>R32.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227717440976">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note C - Components of Finance Receivables (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Apr. 30, 2015</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableGross', window );">Gross contract amount</a></td>
<td class="nump">$ 488,424<span></span>
</td>
<td class="nump">$ 477,305<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables', window );">Less unearned finance charges</a></td>
<td class="num">(60,761)<span></span>
</td>
<td class="num">(59,937)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinanceReceivablePrincipalBalance', window );">Principal balance</a></td>
<td class="nump">427,663<span></span>
</td>
<td class="nump">417,368<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Less allowance for credit losses</a></td>
<td class="num">(100,434)<span></span>
</td>
<td class="num">(93,224)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Finance receivables, net</a></td>
<td class="nump">$ 327,229<span></span>
</td>
<td class="nump">$ 324,144<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinanceReceivablePrincipalBalance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The principal balance of finance receivables after deducting unearned finance charges from gross contract amount.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinanceReceivablePrincipalBalance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Unearned discounts (other than cash or quantity discounts and the like), finance charges, and interest included in the face amount of receivables, that are shown as a deduction from the related receivables. For example, 1) finance charges booked as a receivable when a loan is made and recognized as income at a later date; and 2) interest charges deducted from the face loan amount, resulting in a discounted amount actually advanced to the borrower (wherein the receivable includes the amount actually advanced to the borrower and the as yet unearned interest income).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 8<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4519-111522<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredDiscountsFinanceChargesAndInterestIncludedInReceivables</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A valuation allowance for financing receivables that are expected to be uncollectible.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 11B<br><br><br><br> -Subparagraph (c)(1)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesReceivableGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount representing an agreement for an unconditional promise by the maker to pay the entity (holder) a definite sum of money at a future date. Such amount may include accrued interest receivable in accordance with the terms of the note. The note also may contain provisions and related items including a discount or premium, payable on demand, secured, or unsecured, interest bearing or noninterest bearing, among a myriad of other features and characteristics. Excludes amounts related to receivables held-for-sale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.10(3))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NotesReceivableGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesReceivableNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net amount of the investment in a contractual right to receive money on demand or on fixed or determinable dates that is recognized as an asset in the creditor's statement of financial position. Examples include, but are not limited to, credit card receivables, notes receivable and receivables relating to lessor's rights to payments from leases other than operating leases that have been recorded as assets. Excludes trade accounts receivable with contractual maturity of one year or less and arose from the sale of goods or services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.3)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NotesReceivableNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>31
<FILENAME>R40.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227702087344">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note F - Debt Facilities (Details Textual) - USD ($)<br></strong></div></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="2">6 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Oct. 08, 2014</div></th>
<th class="th"><div>Jun. 24, 2013</div></th>
<th class="th"><div>Feb. 04, 2013</div></th>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Oct. 31, 2014</div></th>
<th class="th"><div>Feb. 13, 2014</div></th>
<th class="th"><div>Sep. 30, 2012</div></th>
<th class="th"><div>Mar. 09, 2012</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditFacilityAxis=us-gaap_RevolvingCreditFacilityMember', window );">Revolving Credit Facility [Member] | Credit Facilities Amendment Number 5 [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityExpirationDate1', window );">Line of Credit Facility, Expiration Date</a></td>
<td class="text">Oct. 08, 2017<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_LineOfCreditFacilityIncreaseInPricingTiersPercent', window );">Line of Credit Facility Increase in Pricing Tiers Percent</a></td>
<td class="nump">0.125%<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_DividendRestrictionsMaximumAggregateAmountOfStockRepurchases', window );">Dividend Restrictions Maximum Aggregate Amount of Stock Repurchases</a></td>
<td class="nump">$ 40,000,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_DividendRestrictionsPercentageOfSumOfBorrowingBases', window );">Dividend Restrictions Percentage of Sum of Borrowing Bases</a></td>
<td class="nump">30.00%<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditFacilityAxis=us-gaap_RevolvingCreditFacilityMember', window );">Revolving Credit Facility [Member] | Credit Facilities, Amendment Number 3 [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_LineOfCreditFacilityAdditionalBorrowingCapacity', window );">Line of Credit Facility, Additional Borrowing Capacity</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 55,000,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_LineOfCreditFacilityDecreaseInPricingTiersPercent', window );">Line of Credit Facility, Decrease in Pricing Tiers, Percent</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">0.25%<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditFacilityAxis=us-gaap_RevolvingCreditFacilityMember', window );">Revolving Credit Facility [Member] | Credit Facilities, Amendment Number 4 [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_MaximumAllowableCapitalExpendituresByCreditFacilitiesAmendment', window );">Maximum Allowable Capital Expenditures By Credit Facilities Amendment</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 10,000,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditFacilityAxis=us-gaap_RevolvingCreditFacilityMember', window );">Revolving Credit Facility [Member] | Minimum [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_ContractTermOfContractsIncludedByCreditFacilitiesAmendment', window );">Contract Term of Contracts Included by Credit Facilities Amendment</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">3 years<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditFacilityAxis=us-gaap_RevolvingCreditFacilityMember', window );">Revolving Credit Facility [Member] | Maximum [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_ContractTermOfContractsIncludedByCreditFacilitiesAmendment', window );">Contract Term of Contracts Included by Credit Facilities Amendment</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">3 years 180 days<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditFacilityAxis=us-gaap_RevolvingCreditFacilityMember', window );">Revolving Credit Facility [Member] | London Interbank Offered Rate (LIBOR) [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1', window );">Debt Instrument, Basis Spread on Variable Rate</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">2.375%<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CreditFacilityAxis=us-gaap_RevolvingCreditFacilityMember', window );">Revolving Credit Facility [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityExpirationDate1', window );">Line of Credit Facility, Expiration Date</a></td>
<td class="text"> <span></span>
</td>
<td class="text">Jun. 24, 2016<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity', window );">Line of Credit Facility, Maximum Borrowing Capacity</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 145,000,000<span></span>
</td>
<td class="nump">$ 125,000,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_DividendRestrictionsMaximumAggregateAmountOfStockRepurchases', window );">Dividend Restrictions Maximum Aggregate Amount of Stock Repurchases</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 40,000,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases', window );">Line of Credit Facility, Distribution Limitations Percentage of Sum of Borrowing Bases</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">30.00%<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome', window );">Line of Credit Facility, Distribution Limitations Percentage of Consolidated Net Income</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">75.00%<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable', window );">Line of Credit Facility Distribution Limitations Minimum Percentage of Aggregate Funds Available</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">12.50%<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity', window );">Line of Credit Facility, Remaining Borrowing Capacity</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 38,100,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases', window );">Line of Credit Facility, Distribution Limitations Percentage of Sum of Borrowing Bases</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">30.00%<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome', window );">Line of Credit Facility, Distribution Limitations Percentage of Consolidated Net Income</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">75.00%<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable', window );">Line of Credit Facility Distribution Limitations Minimum Percentage of Aggregate Funds Available</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">12.50%<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationOfFinancingCostsAndDiscounts', window );">Amortization of Financing Costs and Discounts</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 96,000<span></span>
</td>
<td class="nump">$ 93,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_ContractTermOfContractsIncludedByCreditFacilitiesAmendment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Contract term of contracts included by credit facilities amendment.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_ContractTermOfContractsIncludedByCreditFacilitiesAmendment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_DividendRestrictionsMaximumAggregateAmountOfStockRepurchases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Maximum amount of stock repurchases in connection with the distribution limitations in fifth amendment related to repurchases of the Company’s stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_DividendRestrictionsMaximumAggregateAmountOfStockRepurchases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_DividendRestrictionsPercentageOfSumOfBorrowingBases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage of sum of borrowing bases specified in dividend restrictions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_DividendRestrictionsPercentageOfSumOfBorrowingBases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_LineOfCreditFacilityAdditionalBorrowingCapacity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Additional borrowing capacity of line of credit facility.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_LineOfCreditFacilityAdditionalBorrowingCapacity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_LineOfCreditFacilityDecreaseInPricingTiersPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line of credit facility, percentage of decrease in pricing piers.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_LineOfCreditFacilityDecreaseInPricingTiersPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the distribution limitations, minimum percentage of aggregate funds available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_LineOfCreditFacilityDistributionLimitationsMinimumPercentageOfAggregateFundsAvailable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the distribution limitations, percentage of consolidated net income.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfConsolidatedNetIncome</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the distribution limitations, percentage of sum of borrowing bases.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_LineOfCreditFacilityDistributionLimitationsPercentageOfSumOfBorrowingBases</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_LineOfCreditFacilityIncreaseInPricingTiersPercent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents increase in pricing tiers percentage.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_LineOfCreditFacilityIncreaseInPricingTiersPercent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_MaximumAllowableCapitalExpendituresByCreditFacilitiesAmendment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of capital expenditures allowable under Credit Facilities in the aggregate during any fiscal year.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_MaximumAllowableCapitalExpendituresByCreditFacilitiesAmendment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationOfFinancingCostsAndDiscounts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of noncash expense included in interest expense to allocate debt discount and premium, and the costs to issue debt and obtain financing over the related debt instruments. Alternate captions include noncash interest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AmortizationOfFinancingCostsAndDiscounts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Percentage points added to the reference rate to compute the variable rate on the debt instrument.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DebtInstrumentBasisSpreadOnVariableRate1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCreditFacilityExpirationDate1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Date the credit facility terminates, in CCYY-MM-DD format.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19(b),22(b))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityExpirationDate1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Maximum borrowing capacity under the credit facility without consideration of any current restrictions on the amount that could be borrowed or the amounts currently outstanding under the facility.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19(b),22(b))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of borrowing capacity currently available under the credit facility (current borrowing capacity less the amount of borrowings outstanding).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19(b),22(b))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CreditFacilityAxis=us-gaap_RevolvingCreditFacilityMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CreditFacilityAxis=us-gaap_RevolvingCreditFacilityMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=crmt_CreditFacilitiesAmendmentNumber5Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=crmt_CreditFacilitiesAmendmentNumber5Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=crmt_CreditFacilitiesAmendmentNumber3Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=crmt_CreditFacilitiesAmendmentNumber3Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongtermDebtTypeAxis=crmt_CreditFacilitiesAmendmentNumber4Member">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LongtermDebtTypeAxis=crmt_CreditFacilitiesAmendmentNumber4Member</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
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<td><strong> Data Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MinimumMember</td>
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<tr>
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<td></td>
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<tr>
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<td></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MaximumMember</td>
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<td></td>
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<td>na</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
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<tr>
<td><strong> Period Type:</strong></td>
<td></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_VariableRateAxis=us-gaap_LondonInterbankOfferedRateLIBORMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td style="white-space:nowrap;">us-gaap_VariableRateAxis=us-gaap_LondonInterbankOfferedRateLIBORMember</td>
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<body>
<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227702392672">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Condensed Consolidated Balance Sheets (Unaudited) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Apr. 30, 2015</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProductOrServiceAxis=crmt_PaymentProtectionPlanMember', window );">Payment Protection Plan [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredRevenue', window );">Deferred revenue</a></td>
<td class="nump">$ 16,061<span></span>
</td>
<td class="nump">$ 15,652<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProductOrServiceAxis=crmt_ServiceContractMember', window );">Service Contract [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>Liabilities:</strong></a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredRevenue', window );">Deferred revenue</a></td>
<td class="nump">9,865<span></span>
</td>
<td class="nump">9,584<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
<td class="nump">1,386<span></span>
</td>
<td class="nump">790<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestReceivable', window );">Accrued interest on finance receivables</a></td>
<td class="nump">1,699<span></span>
</td>
<td class="nump">2,002<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Finance receivables, net</a></td>
<td class="nump">327,229<span></span>
</td>
<td class="nump">324,144<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InventoryNet', window );">Inventory</a></td>
<td class="nump">34,253<span></span>
</td>
<td class="nump">34,267<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PrepaidExpenseAndOtherAssets', window );">Prepaid expenses and other assets</a></td>
<td class="nump">3,673<span></span>
</td>
<td class="nump">4,195<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReceivable', window );">Income taxes receivable, net</a></td>
<td class="nump">250<span></span>
</td>
<td class="nump">645<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill</a></td>
<td class="nump">355<span></span>
</td>
<td class="nump">355<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Property and equipment, net</a></td>
<td class="nump">34,818<span></span>
</td>
<td class="nump">33,963<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total Assets</a></td>
<td class="nump">403,663<span></span>
</td>
<td class="nump">400,361<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsPayableCurrentAndNoncurrent', window );">Accounts payable</a></td>
<td class="nump">11,841<span></span>
</td>
<td class="nump">11,022<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent', window );">Accrued liabilities</a></td>
<td class="nump">12,304<span></span>
</td>
<td class="nump">12,708<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilities', window );">Deferred income tax liabilities, net</a></td>
<td class="nump">18,059<span></span>
</td>
<td class="nump">19,178<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCredit', window );">Revolving credit facilities</a></td>
<td class="nump">104,424<span></span>
</td>
<td class="nump">102,685<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
<td class="nump">$ 172,554<span></span>
</td>
<td class="nump">$ 170,829<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingencies', window );">Commitments and contingencies (Note J)</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TemporaryEquityAbstract', window );"><strong>Mezzanine equity:</strong></a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MandatorilyRedeemablePreferredStockFairValueDisclosure', window );">Mandatorily redeemable preferred stock</a></td>
<td class="nump">$ 400<span></span>
</td>
<td class="nump">$ 400<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquityAbstract', window );"><strong>Equity:</strong></a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockValue', window );">Preferred stock, par value $.01 per share, 1,000,000 shares authorized; none issued or outstanding</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock, par value $.01 per share, 50,000,000 shares authorized; 12,708,291 and 12,688,890 issued at October 31, 2015 and April 30, 2015, respectively, of which 8,458,966 and 8,529,223 were outstanding at October 31, 2015 and April 30, 2015, respectively</a></td>
<td class="nump">$ 127<span></span>
</td>
<td class="nump">$ 127<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapitalCommonStock', window );">Additional paid-in capital</a></td>
<td class="nump">63,882<span></span>
</td>
<td class="nump">62,428<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
<td class="nump">297,910<span></span>
</td>
<td class="nump">293,798<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValue', window );">Less: Treasury stock, at cost, 4,249,325 and 4,159,667 shares at October 31, 2015 and April 30, 2015, respectively</a></td>
<td class="num">(131,310)<span></span>
</td>
<td class="num">(127,321)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Total stockholders' equity</a></td>
<td class="nump">230,609<span></span>
</td>
<td class="nump">229,032<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MinorityInterest', window );">Non-controlling interest</a></td>
<td class="nump">100<span></span>
</td>
<td class="nump">100<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest', window );">Total equity</a></td>
<td class="nump">230,709<span></span>
</td>
<td class="nump">229,132<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total Liabilities, Mezzanine Equity and Equity</a></td>
<td class="nump">$ 403,663<span></span>
</td>
<td class="nump">$ 400,361<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsPayableCurrentAndNoncurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying value as of the balance sheet date of liabilities incurred (and for which invoices have typically been received) and payable to vendors for goods and services received that are used in an entity's business.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.15(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.15(5))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountsPayableCurrentAndNoncurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccruedLiabilitiesCurrentAndNoncurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying value as of the balance sheet date of obligations incurred and payable, pertaining to costs that are statutory in nature, are incurred on contractual obligations, or accumulate over time and for which invoices have not yet been received or will not be rendered. Examples include taxes, interest, rent and utilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.15(5))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.15(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccruedLiabilitiesCurrentAndNoncurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdditionalPaidInCapitalCommonStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Value received from shareholders in common stock-related transactions that are in excess of par value or stated value and amounts received from other stock-related transactions. Includes only common stock transactions (excludes preferred stock transactions). May be called contributed capital, capital in excess of par, capital surplus, or paid-in capital.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.30(a)(1))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AdditionalPaidInCapitalCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.18)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 7<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Assets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6506951<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=28358313&loc=d3e6676-107765<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3044-108585<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash Equivalents<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6507016<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingencies">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the caption on the face of the balance sheet to indicate that the entity has entered into (1) purchase or supply arrangements that will require expending a portion of its resources to meet the terms thereof, and (2) is exposed to potential losses or, less frequently, gains, arising from (a) possible claims against a company's resources due to future performance under contract terms, and (b) possible losses or likely gains from uncertainties that will ultimately be resolved when one or more future events that are deemed likely to occur do occur or fail to occur.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.(a),19)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 450<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=25496072&loc=d3e14326-108349<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.17)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.25)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommitmentsAndContingencies</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredRevenue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred revenue as of balance sheet date. Deferred revenue represents collections of cash or other assets related to a revenue producing activity for which revenue has not yet been recognized. Generally, an entity records deferred revenue when it receives consideration from a customer before achieving certain criteria that must be met for revenue to be recognized in conformity with GAAP.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 605<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SAB TOPIC 13.A.4(a).Q1 Response)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=27012821&loc=d3e214044-122780<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 13<br><br><br><br> -Section A<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredRevenue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount, after deferred tax asset, of deferred tax liability attributable to taxable differences, before jurisdictional netting.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 740<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 6<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=37586315&loc=d3e31931-109318<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 740<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredTaxLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EquityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Goodwill">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=35741047&loc=d3e13816-109267<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6388280&loc=d3e13770-109266<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Goodwill</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying amount as of the balance sheet date of income taxes previously overpaid to tax authorities (such as U.S. Federal, state and local tax authorities) representing refunds of overpayments or recoveries based on agreed-upon resolutions of disputes. Also called income tax refund receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.8)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 5<br><br><br><br> -Subparagraph c<br><br><br><br> -Article 7<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestReceivable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Carrying amount as of the balance sheet date of interest earned but not received. Also called accrued interest or accrued interest receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.8)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestReceivable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InventoryNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after valuation and LIFO reserves of inventory expected to be sold, or consumed within one year or operating cycle, if longer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.6(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 330<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 35<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51655945&loc=d3e3927-108312<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=28358313&loc=d3e6676-107765<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InventoryNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Liabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19-26)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_Liabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.32)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 25<br><br><br><br> -Article 7<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LiabilitiesAndStockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCredit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The carrying value as of the balance sheet date of the current and noncurrent portions of long-term obligations drawn from a line of credit, which is a bank's commitment to make loans up to a specific amount. Examples of items that might be included in the application of this element may consist of letters of credit, standby letters of credit, and revolving credit arrangements, under which borrowings can be made up to a maximum amount as of any point in time conditional on satisfaction of specified terms before, as of and after the date of drawdowns on the line. Includes short-term obligations that would normally be classified as current liabilities but for which (a) postbalance sheet date issuance of a long term obligation to refinance the short term obligation on a long term basis, or (b) the enterprise has entered into a financing agreement that clearly permits the enterprise to refinance the short-term obligation on a long term basis and the following conditions are met (1) the agreement does not expire within 1 year and is not cancelable by the lender except for violation of an objectively determinable provision, (2) no violation exists at the BS date, and (3) the lender has entered into the financing agreement is expected to be financially capable of honoring the agreement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.16)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.16)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 19, 20, 22<br><br><br><br> -Article 5<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LineOfCredit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MandatorilyRedeemablePreferredStockFairValueDisclosure">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fair value portion of shares that an entity is required to redeem for cash or other assets at a fixed or determinable date or upon the occurrence of an event.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 480<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 25<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6939902&loc=d3e21216-110875<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MandatorilyRedeemablePreferredStockFairValueDisclosure</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MinorityInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which is directly or indirectly attributable to that ownership interest in subsidiary equity which is not attributable to the parent (that is, noncontrolling interest, previously referred to as minority interest).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.31)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 27<br><br><br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 20<br><br><br><br> -Article 7<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_MinorityInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesReceivableNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net amount of the investment in a contractual right to receive money on demand or on fixed or determinable dates that is recognized as an asset in the creditor's statement of financial position. Examples include, but are not limited to, credit card receivables, notes receivable and receivables relating to lessor's rights to payments from leases other than operating leases that have been recorded as assets. Excludes trade accounts receivable with contractual maturity of one year or less and arose from the sale of goods or services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.3)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NotesReceivableNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.3-04)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.28)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29<br><br><br><br> -Article 5<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PrepaidExpenseAndOtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of asset related to consideration paid in advance for costs that provide economic benefits in future periods, and amount of other assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PrepaidExpenseAndOtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph a<br><br><br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 8<br><br><br><br> -Article 7<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetainedEarningsAccumulatedDeficit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cumulative amount of the reporting entity's undistributed earnings or deficit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.31(a)(3))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RetainedEarningsAccumulatedDeficit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SAB TOPIC 4.E)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=27010918&loc=d3e74512-122707<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29-31)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 4<br><br><br><br> -Section E<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquity</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of stockholders' equity (deficit), net of receivables from officers, directors, owners, and affiliates of the entity, attributable to both the parent and noncontrolling interests. Amount excludes temporary equity. Alternate caption for the concept is permanent equity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 4I<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=35736750&loc=SL4590271-111686<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 16<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51664549&loc=SL4568740-111683<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 15<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51664549&loc=SL4568447-111683<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TemporaryEquityAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TemporaryEquityAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6405834&loc=d3e23315-112656<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProductOrServiceAxis=crmt_PaymentProtectionPlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProductOrServiceAxis=crmt_PaymentProtectionPlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProductOrServiceAxis=crmt_ServiceContractMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProductOrServiceAxis=crmt_ServiceContractMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227701713408">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note I - Stock Based Compensation (Details Textual)<br></strong></div></th>
<th class="th" colspan="2">1 Months Ended</th>
<th class="th" colspan="2">6 Months Ended</th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th">
<div>Aug. 31, 2015 </div>
<div>shares</div>
</th>
<th class="th">
<div>May. 31, 2015 </div>
<div>shares</div>
</th>
<th class="th">
<div>Oct. 31, 2015 </div>
<div>USD ($) </div>
<div>$ / shares </div>
<div>shares</div>
</th>
<th class="th">
<div>Oct. 31, 2014 </div>
<div>USD ($) </div>
<div>shares</div>
</th>
<th class="th">
<div>Apr. 30, 2015 </div>
<div>shares</div>
</th>
<th class="th">
<div>Aug. 05, 2015 </div>
<div>shares</div>
</th>
<th class="th">
<div>Oct. 14, 2009 </div>
<div>shares</div>
</th>
<th class="th">
<div>Oct. 13, 2009 </div>
<div>shares</div>
</th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=crmt_NineteenNinetySevenPlanMember', window );">The 1997 Plan [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant', window );">Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant | shares</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=crmt_RestatedOptionPlanMember', window );">Restated Option Plan [Member] | Employee Stock Option [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod', window );">Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">10 years<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=crmt_RestatedOptionPlanMember', window );">Restated Option Plan [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant', window );">Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant | shares</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">322,250<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_CommonStockAdditionalCapitalSharesReservedForFutureIssuance', window );">Common Stock, Additional Capital Shares Reserved for Future Issuance | shares</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">300,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockCapitalSharesReservedForFutureIssuance', window );">Common Stock, Capital Shares Reserved for Future Issuance | shares</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">1,800,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PlanNameAxis=crmt_StockIncentivePlanMember', window );">Stock Incentive Plan [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllocatedShareBasedCompensationExpense', window );">Allocated Share-based Compensation Expense</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 50,000<span></span>
</td>
<td class="nump">$ 45,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax', window );">Allocated Share-based Compensation Expense, Net of Tax</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">31,000<span></span>
</td>
<td class="nump">28,200<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized', window );">Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 445,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">4 years 182 days<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized', window );">Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized | shares</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">350,000<span></span>
</td>
<td class="nump">150,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=us-gaap_RestrictedStockMember', window );">Restricted Stock [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant', window );">Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Available for Grant | shares</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">177,527<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period | shares</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">0<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber', window );">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number | shares</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">9,500<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue', window );">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value | $ / shares</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 52.10<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=us-gaap_EmployeeStockOptionMember', window );">Employee Stock Option [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllocatedShareBasedCompensationExpense', window );">Allocated Share-based Compensation Expense</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 887,000<span></span>
</td>
<td class="nump">353,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax', window );">Allocated Share-based Compensation Expense, Net of Tax</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 556,000<span></span>
</td>
<td class="nump">$ 221,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross', window );">Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross | shares</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">298,750<span></span>
</td>
<td class="nump">44,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue', window );">Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Grant Date Fair Value</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 5,200,000<span></span>
</td>
<td class="nump">$ 595,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized', window );">Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 4,100,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1', window );">Employee Service Share-based Compensation, Nonvested Awards, Compensation Cost Not yet Recognized, Period for Recognition</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">4 years 51 days<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AwardTypeAxis=us-gaap_PerformanceSharesMember', window );">Performance Shares [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod', window );">Share-based Compensation Arrangement by Share-based Payment Award, Expiration Period</a></td>
<td class="text"> <span></span>
</td>
<td class="text">5 years<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross', window );">Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross | shares</a></td>
<td class="nump">40,000<span></span>
</td>
<td class="nump">104,250<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_EmployeeServiceSharebasedCompensationNotCurrentlyExpectedToVestAwardsCompensationCostNotYetRecognized', window );">Employee Service Share-based Compensation, Not Currently Expected to Vest Awards, Compensation Cost Not yet Recognized</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 1,200,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNotCurrentlyExpectedToVestOutstandingNumber', window );">Share-based Compensation Arrangement by Share-based Payment Award, Options, Not Currently Expected to Vest, Outstanding, Number | shares</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">68,750<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllocatedShareBasedCompensationExpense', window );">Allocated Share-based Compensation Expense</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 949,000<span></span>
</td>
<td class="nump">412,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax', window );">Allocated Share-based Compensation Expense, Net of Tax</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 595,000<span></span>
</td>
<td class="nump">258,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_NumberOfStockOptionPlans', window );">Number of Stock Option Plans</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">2<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue', window );">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 11,200,000<span></span>
</td>
<td class="nump">$ 24,800,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber', window );">Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Number | shares</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">917,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableAggregateIntrinsicValue', window );">Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Aggregate Intrinsic Value</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 11,200,000<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageRemainingContractualTerm1', window );">Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Remaining Contractual Term</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text">3 years 328 days<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice', window );">Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest, Exercisable, Weighted Average Exercise Price | $ / shares</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="nump">$ 23.17<span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_CommonStockAdditionalCapitalSharesReservedForFutureIssuance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Additional number of common shares reserved for future issuance.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_CommonStockAdditionalCapitalSharesReservedForFutureIssuance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_EmployeeServiceSharebasedCompensationNotCurrentlyExpectedToVestAwardsCompensationCostNotYetRecognized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Unrecognized cost of not currently expected to vest share-based compensation awards.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_EmployeeServiceSharebasedCompensationNotCurrentlyExpectedToVestAwardsCompensationCostNotYetRecognized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_NumberOfStockOptionPlans">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of stock option plans the company has.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_NumberOfStockOptionPlans</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:integerItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The grant-date fair value of options granted during the reporting period as calculated by applying the disclosed option pricing methodology.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNotCurrentlyExpectedToVestOutstandingNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>As of the balance sheet date, the number of shares into which not currently expected to vest stock options outstanding can be converted under the option plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNotCurrentlyExpectedToVestOutstandingNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllocatedShareBasedCompensationExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the expense recognized during the period arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SAB TOPIC 14.F)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=27013229&loc=d3e301413-122809<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5047-113901<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (h)(1)(i)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 14<br><br><br><br> -Section F<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AllocatedShareBasedCompensationExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of expense, net of income tax, recognized during the period arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockCapitalSharesReservedForFutureIssuance">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate number of common shares reserved for future issuance.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CommonStockCapitalSharesReservedForFutureIssuance</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Unrecognized cost of unvested share-based compensation awards.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (i)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average period over which unrecognized compensation is expected to be recognized for equity-based compensation plans, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (i)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of grants made during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (c)(2)(iii)(1)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of non-vested equity-based payment instruments, excluding stock (or unit) options, that validly exist and are outstanding as of the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (c)(2)(i)-(ii)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The weighted average fair value of nonvested awards on equity-based plans excluding option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, revenue or profit achievement stock award plan) for which the employer is contingently obligated to issue equity instruments or transfer assets to an employee who has not yet satisfied service or performance criteria necessary to gain title to proceeds from the sale of the award or underlying shares or units.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (c)(2)(i)-(ii)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The maximum number of shares (or other type of equity) originally approved (usually by shareholders and board of directors), net of any subsequent amendments and adjustments, for awards under the equity-based compensation plan. As stock or unit options and equity instruments other than options are awarded to participants, the shares or units remain authorized and become reserved for issuance under outstanding awards (not necessarily vested).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (a)(3)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The difference between the maximum number of shares (or other type of equity) authorized for issuance under the plan (including the effects of amendments and adjustments), and the sum of: 1) the number of shares (or other type of equity) already issued upon exercise of options or other equity-based awards under the plan; and 2) shares (or other type of equity) reserved for issuance on granting of outstanding awards, net of cancellations and forfeitures, if applicable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Gross number of share options (or share units) granted during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount by which the current fair value of the underlying stock exceeds the exercise price of options outstanding.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableAggregateIntrinsicValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of difference between fair value of the underlying shares reserved for issuance and exercise price of fully vested and expected to vest options that are exercisable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (e)(2)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableAggregateIntrinsicValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The number of exercisable share options (fully vested and expected to vest) that may be converted as of the balance sheet date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (e)(2)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>As of the balance sheet date, the weighted-average exercise price (at which grantees can acquire the shares reserved for issuance) for exercisable stock options that are fully vested or expected to vest.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (e)(2)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Period from grant date that an equity-based award expires, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (a)(2)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardExpirationPeriod</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageRemainingContractualTerm1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Weighted average remaining contractual term for fully vested and expected to vest options that are exercisable or convertible, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (e)(2)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageRemainingContractualTerm1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PlanNameAxis=crmt_NineteenNinetySevenPlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PlanNameAxis=crmt_NineteenNinetySevenPlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PlanNameAxis=crmt_RestatedOptionPlanMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PlanNameAxis=crmt_RestatedOptionPlanMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AwardTypeAxis=us-gaap_EmployeeStockOptionMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<SEQUENCE>34
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227957713744">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note A - Organization and Business<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureTextBlockAbstract', window );"><strong>Notes to Financial Statements</strong></a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock', window );">Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; FONT-WEIGHT: bold; TEXT-ALIGN: justify; MARGIN: 0px">A – Organization and Business</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">America’s Car-Mart, Inc., a Texas corporation (the “Company”), is one of the largest publicly held automotive retailers in the United States focused exclusively on the “Integrated Auto Sales and Finance” segment of the used car market. References to the Company typically include the Company’s consolidated subsidiaries. The Company’s operations are principally conducted through its two operating subsidiaries, America’s Car Mart, Inc., an Arkansas corporation (“Car-Mart of Arkansas”), and Colonial Auto Finance, Inc., an Arkansas corporation (“Colonial”). Collectively, Car-Mart of Arkansas and Colonial are referred to herein as “Car-Mart.” The Company primarily sells older model used vehicles and provides financing for substantially all of its customers. Many of the Company’s customers have limited financial resources and would not qualify for conventional financing as a result of limited credit histories or past credit problems. As of October 31, 2015, the Company operated 145 dealerships located primarily in small cities throughout the South-Central United States.</div></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DisclosureTextBlockAbstract">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DisclosureTextBlockAbstract</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for organization, consolidation and basis of presentation of financial statements disclosure.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 205<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=35735333&loc=d3e288-107754<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51655414&loc=d3e18780-107790<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 272<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6373374&loc=d3e70478-108055<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=18733093&loc=d3e5614-111684<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 205<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6359566&loc=d3e326-107755<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<head>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227710596048">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note C - Credit Quality Information for Finance Receivables (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Apr. 30, 2015</div></th>
<th class="th"><div>Oct. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
<td class="nump">$ 365,346<span></span>
</td>
<td class="nump">$ 329,329<span></span>
</td>
<td class="nump">$ 341,555<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivableCurrentPercentOfPortfolio', window );">Current</a></td>
<td class="nump">85.44%<span></span>
</td>
<td class="nump">78.91%<span></span>
</td>
<td class="nump">83.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivableRecordedInvestment3To29DaysPastDue', window );">3 - 29 days past due</a></td>
<td class="nump">$ 47,406<span></span>
</td>
<td class="nump">$ 64,004<span></span>
</td>
<td class="nump">$ 51,990<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivable3To29DaysPastDuePercentOfPortfolio', window );">3 - 29 days past due</a></td>
<td class="nump">11.08%<span></span>
</td>
<td class="nump">15.33%<span></span>
</td>
<td class="nump">12.63%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivableRecordedInvestment30To60DaysPastDue', window );">30 - 60 days past due</a></td>
<td class="nump">$ 10,320<span></span>
</td>
<td class="nump">$ 12,777<span></span>
</td>
<td class="nump">$ 12,002<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivable30To60DaysPastDuePercentOfPortfolio', window );">30 - 60 days past due</a></td>
<td class="nump">2.41%<span></span>
</td>
<td class="nump">3.06%<span></span>
</td>
<td class="nump">2.92%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivableRecordedInvestment61To90DaysPastDue', window );">61 - 90 days past due</a></td>
<td class="nump">$ 2,914<span></span>
</td>
<td class="nump">$ 8,463<span></span>
</td>
<td class="nump">$ 3,986<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivable61To90DaysPastDuePercentOfPortfolio', window );">61 - 90 days past due</a></td>
<td class="nump">0.68%<span></span>
</td>
<td class="nump">2.03%<span></span>
</td>
<td class="nump">0.97%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue', window );">> 90 days past due</a></td>
<td class="nump">$ 1,677<span></span>
</td>
<td class="nump">$ 2,795<span></span>
</td>
<td class="nump">$ 1,967<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio', window );">> 90 days past due</a></td>
<td class="nump">0.39%<span></span>
</td>
<td class="nump">0.67%<span></span>
</td>
<td class="nump">0.48%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinanceReceivablePrincipalBalance', window );">Total</a></td>
<td class="nump">$ 427,663<span></span>
</td>
<td class="nump">$ 417,368<span></span>
</td>
<td class="nump">$ 411,500<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivablePercentOfPortfolio', window );">Total</a></td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
<td class="nump">100.00%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The principal balance of finance receivables after deducting unearned finance charges from gross contract amount.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing receivable, 30 to 60 days past due, percent of portfolio.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinancingReceivable30To60DaysPastDuePercentOfPortfolio</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing receivable, 3 to 29 days past due, percent of portfolio.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinancingReceivable3To29DaysPastDuePercentOfPortfolio</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing receivable, 61 to 90 days past due, percent of portfolio.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinancingReceivable61To90DaysPastDuePercentOfPortfolio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinancingReceivableCurrentPercentOfPortfolio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing receivable, current, percent of portfolio.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinancingReceivableCurrentPercentOfPortfolio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing receivable, greater than 90 days past due, percent of portfolio.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinancingReceivableGreaterThan90DaysPastDuePercentOfPortfolio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinancingReceivablePercentOfPortfolio">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing receivable, percent of portfolio.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinancingReceivablePercentOfPortfolio</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinancingReceivableRecordedInvestment30To60DaysPastDue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing receivables that are less than 61 days past due but more than 29 days past due.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinancingReceivableRecordedInvestment30To60DaysPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinancingReceivableRecordedInvestment3To29DaysPastDue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing receivables that are less than 3-29 days past due.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinancingReceivableRecordedInvestment3To29DaysPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinancingReceivableRecordedInvestment61To90DaysPastDue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing receivables that are less than 91 days past due but more than 60 days past due.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinancingReceivableRecordedInvestment61To90DaysPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing receivables that are greater than 90 days past due.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinancingReceivableRecordedInvestmentGreaterThan90DaysPastDue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing receivables that are current.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 7A<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953401-111524<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableRecordedInvestmentCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>debit</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227719695392">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note F - Debt Facilities (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TableTextBlock', window );"><strong>Notes Tables</strong></a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDebtInstrumentsTextBlock', window );">Schedule of Long-term Debt Instruments [Table Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT: 10pt Times New Roman, Times, Serif;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic; TEXT-ALIGN: left">(In thousands)</td> <td style="BORDER-BOTTOM: black 1pt solid"> </td> <td style="BORDER-BOTTOM: black 1pt solid" colspan="3"> </td> <td style="BORDER-BOTTOM: black 1pt solid"> </td> <td style="BORDER-BOTTOM: black 1pt solid"> </td> <td style="BORDER-BOTTOM: black 1pt solid"> </td> <td style="BORDER-BOTTOM: black 1pt solid"> </td> <td style="BORDER-BOTTOM: black 1pt solid"> </td> <td style="BORDER-BOTTOM: black 1pt solid" colspan="3"> </td> <td style="BORDER-BOTTOM: black 1pt solid"> </td> <td style="BORDER-BOTTOM: black 1pt solid" colspan="3"> </td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="WIDTH: 45%; PADDING-BOTTOM: 1pt; TEXT-ALIGN: center"> </td> <td style="WIDTH: 1%; PADDING-BOTTOM: 1pt"> </td> <td style="WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="WIDTH: 8%; TEXT-ALIGN: center">Aggregate</td> <td style="WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="WIDTH: 1%; PADDING-BOTTOM: 1pt"> </td> <td style="WIDTH: 10%; PADDING-BOTTOM: 1pt; TEXT-ALIGN: center">Interest </td> <td style="PADDING-BOTTOM: 1pt"> </td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left"> </td> <td style="PADDING-BOTTOM: 1pt"> </td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">Balance at</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: center"> </td> <td style="PADDING-BOTTOM: 1pt"> </td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left"> </td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center">Amount</td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left"> </td> <td style="PADDING-BOTTOM: 1pt"> </td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center">Rate</td> <td style="PADDING-BOTTOM: 1pt"> </td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center">Maturity</td> <td style="PADDING-BOTTOM: 1pt"> </td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="2" nowrap="nowrap">October 31, 2015</td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left"> </td> <td style="PADDING-BOTTOM: 1pt"> </td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="2" nowrap="nowrap">April 30, 2015</td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="TEXT-ALIGN: left">Revolving credit facilities</td> <td> </td> <td style="TEXT-ALIGN: left">$</td> <td style="TEXT-ALIGN: right">145,000</td> <td style="TEXT-ALIGN: left"> </td> <td> </td> <td nowrap="nowrap">LIBOR + 2.375%</td> <td> </td> <td style="TEXT-ALIGN: center" nowrap="nowrap">October 8, 2017</td> <td> </td> <td style="TEXT-ALIGN: left">$</td> <td style="TEXT-ALIGN: right">104,424</td> <td style="TEXT-ALIGN: left"> </td> <td> </td> <td style="TEXT-ALIGN: left">$</td> <td style="TEXT-ALIGN: right">102,685</td> <td style="TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: left"> </td> <td> </td> <td style="TEXT-ALIGN: left"> </td> <td style="TEXT-ALIGN: center" colspan="13">(2.57% at October 31, 2015 and 2.56% at April 30, 2015)</td> <td style="TEXT-ALIGN: left"> </td> </tr> </table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfDebtInstrumentsTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of long-debt instruments or arrangements, including identification, terms, features, collateral requirements and other information necessary to a fair presentation. These are debt arrangements that originally required repayment more than twelve months after issuance or greater than the normal operating cycle of the entity, if longer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.22)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21475-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 470<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6479336&loc=d3e64711-112823<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.4-08.(e),(f))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 835<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 8<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=34725769&loc=d3e28878-108400<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 8<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21538-112644<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 6<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21506-112644<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 835<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1A<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6451184&loc=d3e28541-108399<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 835<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6451184&loc=d3e28551-108399<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 7<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21521-112644<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfDebtInstrumentsTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TableTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td>xbrli:stringItemType</td>
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<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227712274464">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note C - Financing Receivables Analysis (Details)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Oct. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_PrincipalCollectedAsAPercentOfAverageFinancingReceivables', window );">Principal collected as a percent of average finance receivables</a></td>
<td class="nump">27.70%<span></span>
</td>
<td class="nump">28.20%<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_AverageDownpaymentPercentage', window );">Average down-payment percentage</a></td>
<td class="nump">6.50%<span></span>
</td>
<td class="nump">6.80%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_AverageOriginatingContractTerm', window );">Average originating contract term (in months)</a></td>
<td class="text">2 years 132 days<span></span>
</td>
<td class="text">2 years 102 days<span></span>
</td>
</tr>
</table>
<div style="display: none;">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Average down-payment percentage</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_AverageDownpaymentPercentage</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Average originating contract term.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_AverageOriginatingContractTerm</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:durationItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_PrincipalCollectedAsAPercentOfAverageFinancingReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the principal collected as a percent of average finance receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_PrincipalCollectedAsAPercentOfAverageFinancingReceivables</td>
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<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>instant</td>
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</div></td></tr>
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</body>
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<TEXT>
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<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227892222832">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note H - Weighted Average Shares Outstanding (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TableTextBlock', window );"><strong>Notes Tables</strong></a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfWeightedAverageNumberOfSharesTableTextBlock', window );">Schedule of Weighted Average Number of Shares [Table Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Three Months Ended<br />October 31,</td> <td> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 48%">Weighted average shares outstanding-basic</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">8,471,918</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">8,604,003</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">8,492,679</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">8,660,173</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Dilutive options and restricted stock</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">418,434</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">360,942</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">422,577</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">Weighted average shares outstanding-diluted</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">8,471,918</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">9,022,437</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">8,853,621</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">9,082,750</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Antidilutive securities not included:</td> <td> </td> <td style="TEXT-ALIGN: left"> </td> <td style="TEXT-ALIGN: right"> </td> <td style="TEXT-ALIGN: left"> </td> <td> </td> <td style="TEXT-ALIGN: left"> </td> <td style="TEXT-ALIGN: right"> </td> <td style="TEXT-ALIGN: left"> </td> <td> </td> <td style="TEXT-ALIGN: left"> </td> <td style="TEXT-ALIGN: right"> </td> <td style="TEXT-ALIGN: left"> </td> <td> </td> <td style="TEXT-ALIGN: left"> </td> <td style="TEXT-ALIGN: right"> </td> <td style="TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-INDENT: 10pt">Options</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">251,000</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">89,000</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">254,500</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">79,500</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Restricted stock</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">9,500</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">4,750</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> </table></div><span></span>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227719632480">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note B - Summary of Significant Accounting Policies<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureTextBlockAbstract', window );"><strong>Notes to Financial Statements</strong></a></td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SignificantAccountingPoliciesTextBlock', window );">Significant Accounting Policies [Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;">B – Summary of Significant Accounting Policies</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">General</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 0in"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">The accompanying condensed consolidated balance sheet as of April 30, 2015, which has been derived from audited financial statements, and the unaudited interim condensed financial statements as of October 31, 2015 and 2014, have been prepared in accordance with generally accepted accounting principles for interim financial information and in accordance with the instructions to Form 10-Q and Article 10 of Regulation S-X. Accordingly, they do not include all of the information and footnotes required by accounting principles generally accepted in the United States of America for complete financial statements. In the opinion of management, all adjustments (consisting of normal recurring accruals) considered necessary for a fair presentation have been included. Operating results for the six months ended October 31, 2015 are not necessarily indicative of the results that may be expected for the year ending April 30, 2016. For further information, refer to the consolidated financial statements and footnotes thereto included in the Company’s annual report on Form 10-K for the year ended April 30, 2015.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 0in"> </div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Principles of Consolidation</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;"> </div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">The consolidated financial statements include the accounts of America’s Car-Mart, Inc. and its subsidiaries. All intercompany accounts and transactions have been eliminated.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"> </div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Segment Information</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9pt">Each dealership is an operating segment with its results regularly reviewed by the Company’s chief operating decision maker in an effort to make decisions about resources to be allocated to the segment and to assess its performance. Individual dealerships meet the aggregation criteria for reporting purposes under the current accounting guidance. The Company operates in the Integrated Auto Sales and Finance segment of the used car market, also referred to as the Integrated Auto Sales and Finance industry. In this industry, the nature of the sale and the financing of the transaction, financing processes, the type of customer and the methods used to distribute the Company’s products and services, including the actual servicing of the contracts as well as the regulatory environment in which the Company operates, all have similar characteristics. Each of our individual dealerships is similar in nature and only engages in the selling and financing of used vehicles. All individual dealerships have similar operating characteristics. As such, individual dealerships have been aggregated into one reportable segment.</div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Use of Estimates</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;"> </div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the period. Actual results could differ from those estimates. Significant estimates include, but are not limited to, the Company’s allowance for credit losses.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;"> </div></div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Concentration of Risk</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;"> </div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company provides financing in connection with the sale of substantially all of its vehicles. These sales are made primarily to customers residing in Alabama, Arkansas, Georgia, Kentucky, Mississippi, Missouri, Oklahoma, Tennessee, and Texas, with approximately 32% of revenues resulting from sales to Arkansas customers.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">Periodically, the Company maintains cash in financial institutions in excess of the amounts insured by the federal government. The Company’s revolving credit facilities mature in October 2017. The Company expects that these credit facilities will be renewed or refinanced on or before the scheduled maturity dates.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"> </div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Restrictions on Distributions/Dividends</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;"> </div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company’s revolving credit facilities generally restrict distributions by the Company to its shareholders. The distribution limitations under the Credit Facilities allow the Company to repurchase the Company’s stock so long as: either (a) the aggregate amount of such repurchases does not exceed $40 million beginning October 8, 2014 and the sum of borrowing bases combined minus the principal balances of all revolver loans after giving effect to such repurchases is equal to or greater than 30% of the sum of the borrowing bases, or (b) the aggregate amount of such repurchases does not exceed 75% of the consolidated net income of the Company measured on a trailing twelve month basis; provided that immediately before and after giving effect to the stock repurchases, at least 12.5% of the aggregate funds committed under the credit facilities remain available. Thus, the Company is limited in its ability to pay dividends or make other distributions to its shareholders without the consent of the Company’s lenders.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-style: italic;"> </div></div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Cash Equivalents</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;"> </div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">The Company considers all highly liquid debt instruments purchased with original maturities of three months or less to be cash equivalents.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;"> </div></div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Finance Receivables, Repossessions and Charge-offs and Allowance for Credit Losses</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;"> </div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">The Company originates installment sale contracts from the sale of used vehicles at its dealerships. These installment sale contracts typically carry an interest rate of 15% using the simple effective interest method including any deferred fees. Contract origination costs are not significant.<div style="display: inline; font-style: italic;"> </div>The installment sale contracts are not pre-computed contracts whereby borrowers are obligated to pay back principal plus the full amount of interest that will accrue over the entire term of the contract. Finance receivables are collateralized by vehicles sold and consist of contractually scheduled payments from installment contracts net of unearned finance charges and an allowance for credit losses. Unearned finance charges represent the balance of interest receivable to be earned over the entire term of the related installment contract, less the earned amount ($1.7 million at October 31, 2015 and $2.0 million at April 30, 2015), and as such, has been reflected as a reduction to the gross contract amount in arriving at the principal balance in finance receivables<div style="display: inline; font-style: italic;">.</div> Accounts are delinquent when the customer is one day or more behind on their contractual payments<div style="display: inline; font-style: italic;">. </div>While the Company does not formally place contracts on nonaccrual status, the immaterial amount of interest that may accrue after an account becomes delinquent up until the point of resolution via repossession or write-off, is reserved for against the accrued interest on the Consolidated Balance Sheets. Delinquent contracts are addressed and either made current by the customer or the vehicle is repossessed or written off if the collateral cannot be recovered quickly. Customer payments are set to match their payday with approximately 73% of payments due on either a weekly or bi-weekly basis. The frequency of the payment due dates combined with the declining value of collateral lead to prompt resolutions on problem accounts. <div style="display: inline; font-style: italic;"></div>At October 31, 2015, 3.5% of the Company’s finance receivable balances were 30 days or more past due compared to 4.4% at October 31, 2014.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">Substantially all of the Company’s automobile contracts involve contracts made to individuals with impaired or limited credit histories, or higher debt-to-income ratios than permitted by traditional lenders. Contracts made with buyers who are restricted in their ability to obtain financing from traditional lenders generally entail a higher risk of delinquency, default and repossession, and higher losses than contracts made with buyers with better credit.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">The Company strives to keep its delinquency percentages low, and not to repossess vehicles. Accounts two days late are sent a notice in the mail. Accounts three days late are contacted by telephone. Notes from each telephone contact are electronically maintained in the Company’s computer system. If a customer becomes severely delinquent in his or her payments, and management determines that timely collection of future payments is not probable, the Company will take steps to repossess the vehicle. The Company attempts to resolve payment delinquencies amicably prior to repossessing a vehicle. Periodically, the Company enters into contract modifications with its customers to extend or modify the payment terms. The Company only enters into a contract modification or extension if it believes such action will increase the amount of monies the Company will ultimately realize on the customer’s account and will increase the likelihood of the customer being able to pay off the vehicle contract. At the time of modification, the Company expects to collect amounts due including accrued interest at the contractual interest rate for the period of delay. Other than the extension of additional time, concessions are not granted to customers at the time of modifications. Modifications are minor and are made for payday changes, minor vehicle repairs and other reasons. For those vehicles that are repossessed, the majority are returned or surrendered by the customer on a voluntary basis. Other repossessions are performed by Company personnel or third party repossession agents. Depending on the condition of a repossessed vehicle, it is either resold on a retail basis through a Company dealership, or sold for cash on a wholesale basis primarily through physical or online auctions.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">The Company takes steps to repossess a vehicle when the customer becomes delinquent in his or her payments and management determines that timely collection of future payments is not probable. Accounts are charged-off after the expiration of a statutory notice period for repossessed accounts, or when management determines that the timely collection of future payments is not probable for accounts where the Company has been unable to repossess the vehicle. For accounts with respect to which the vehicle was repossessed, the fair value of the repossessed vehicle is charged as a reduction of the gross finance receivable balance charged-off. On average, accounts are approximately 59 days past due at the time of charge-off. For previously charged-off accounts that are subsequently recovered, the amount of such recovery is credited to the allowance for credit losses.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">The Company maintains an allowance for credit losses on an aggregate basis, as opposed to a contract-by-contract basis, at an amount it considers sufficient to cover estimated losses inherent in the portfolio at the balance sheet date in the collection of its finance receivables currently outstanding. The Company accrues an estimated loss as it is probable that the entire amount will not be collected and the amount of the loss can be reasonably estimated in the aggregate. The allowance for credit losses is based primarily upon historical credit loss experience, with consideration given to recent credit loss trends and changes in contract characteristics (i.e., average amount financed and term), delinquency levels, collateral values, economic conditions and underwriting and collection practices. The allowance for credit losses is periodically reviewed by management with any changes reflected in current operations. Although it is at least reasonably possible that events or circumstances could occur in the future that are not presently foreseen which could cause actual credit losses to be materially different from the recorded allowance for credit losses, the Company believes that it has given appropriate consideration to all relevant factors and has made reasonable assumptions in determining the allowance for credit losses. The calculation of the allowance for credit losses uses the following primary factors:</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.75in; TEXT-INDENT: 9.35pt"><div style="display: inline; FONT-FAMILY: Symbol">·</div> The number of units repossessed or charged-off as a percentage of total units financed over specific historical periods of time from one year to five years.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.5in; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.75in; TEXT-INDENT: 9.35pt"><div style="display: inline; FONT-FAMILY: Symbol">·</div> The average net repossession and charge-off loss per unit during the last eighteen months, segregated by the number of months since the contract origination date, and adjusted for the expected future average net charge-off loss per unit. Approximately 50% of the charge-offs that will ultimately occur in the portfolio are expected to occur within 10-11 months following the balance sheet date. The average age of an account at charge-off date is 11.6 months.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.5in; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.75in; TEXT-INDENT: 9.35pt"><div style="display: inline; FONT-FAMILY: Symbol">·</div> The timing of repossession and charge-off losses relative to the date of sale (i.e., how long it takes for a repossession or charge-off to occur) for repossessions and charge-offs occurring during the last eighteen months.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">A point estimate is produced by this analysis which is then supplemented by any positive or negative subjective factors to arrive at an overall reserve amount that management considers to be a reasonable estimate of losses inherent in the portfolio at the balance sheet date that will be realized via actual charge-offs in the future. While challenging economic conditions can negatively impact credit losses, the effectiveness of the execution of internal policies and procedures within the collections area and the competitive environment on the lending side have historically had a more significant effect on collection results than macro-economic issues. The allowance for credit losses at October 31, 2015 of $100.4 million was 25.0% of the principal balance in finance receivables of $427.7 million, less unearned payment protection plan revenue of $16.1 million and unearned service contract revenue of $9.9 million.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">In most states, the Company offers retail customers who finance their vehicle the option of purchasing a payment protection plan product as an add-on to the installment sale contract. This product contractually obligates the Company to cancel the remaining principal outstanding for any contract where the retail customer has totaled the vehicle, as defined, or the vehicle has been stolen. The Company periodically evaluates anticipated losses to ensure that if anticipated losses exceed deferred payment protection plan revenues, an additional liability is recorded for such difference. No such liability was required at October 31, 2015 or 2014.</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px"><div style="display: inline; font-style: italic;">Inventory</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">Inventory consists of used vehicles and is valued at the lower of cost or market on a specific identification basis. Vehicle reconditioning costs are capitalized as a component of inventory. Repossessed vehicles and trade-in vehicles are recorded at fair value, which approximates wholesale value. The cost of used vehicles sold is determined using the specific identification method.</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px"><div style="display: inline; font-style: italic;"></div></div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px"><div style="display: inline; font-style: italic;"></div> </div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px"><div style="display: inline; font-style: italic;">Goodwill </div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;"> </div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">Goodwill reflects the excess of purchase price over the fair value of specifically identified net assets purchased. Goodwill and intangible assets deemed to have indefinite lives are not amortized but are subject to annual impairment tests at the Company’s year-end. The impairment tests are based on the comparison of the fair value of the reporting unit to the carrying value of such unit. If the fair value of the reporting unit falls below its carrying value, the Company performs the second step of the two-step goodwill impairment process to determine the amount, if any, that the goodwill is impaired. The second step involves determining the fair value of the identifiable assets and liabilities and the implied goodwill. The implied goodwill is compared to the carrying value of the goodwill to determine the impairment, if any. There was no impairment of goodwill during fiscal 2015, and to date, there has been no impairment during fiscal 2016.</div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Property and Equipment</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;"> </div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9pt">Property and equipment are stated at cost. Expenditures for additions, remodels and improvements are capitalized. Costs of repairs and maintenance are expensed as incurred. Leasehold improvements are amortized over the shorter of the estimated life of the improvement or the lease period. The lease period includes the primary lease term plus any extensions that are reasonably assured. Depreciation is computed principally using the straight-line method generally over the following estimated useful lives:</div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT: 10pt Times New Roman, Times, Serif; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: top"> <td style="WIDTH: 34%; LAYOUT-GRID-MODE: line; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT: 10pt Times New Roman, Times, Serif">Furniture, fixtures and equipment (years)</div></td> <td style="WIDTH: 3%; LAYOUT-GRID-MODE: line; FONT-WEIGHT: bold; TEXT-ALIGN: right; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT-FAMILY: Times New Roman, Times, Serif; FONT-WEIGHT: normal">3</div></td> <td style="WIDTH: 3%; TEXT-ALIGN: center">to</td> <td style="WIDTH: 3%">7</td> <td style="WIDTH: 48%"> </td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT-FAMILY: Times New Roman, Times, Serif">Leasehold improvements</div> (years)</td> <td style="LAYOUT-GRID-MODE: line; FONT-WEIGHT: bold; TEXT-ALIGN: right; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT-FAMILY: Times New Roman, Times, Serif; FONT-WEIGHT: normal">5</div></td> <td style="TEXT-ALIGN: center">to</td> <td>15</td> <td> </td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="LAYOUT-GRID-MODE: line; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT: 10pt Times New Roman, Times, Serif">Buildings and improvements</div> (years)</td> <td style="LAYOUT-GRID-MODE: line; FONT-WEIGHT: bold; TEXT-ALIGN: right; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT-FAMILY: Times New Roman, Times, Serif; FONT-WEIGHT: normal">18</div></td> <td style="TEXT-ALIGN: center">to</td> <td>39</td> <td> </td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9pt"></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">Property and equipment are reviewed for impairment whenever events or changes in circumstances indicate the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to future undiscounted net cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying values of the impaired assets exceed the fair value of such assets. Assets to be disposed of are reported at the lower of the carrying amount or fair value less costs to sell.</div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Cash Overdraft</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">As checks are presented for payment from the Company’s primary disbursement bank account, monies are automatically drawn against cash collections for the day and, if necessary, are drawn against one of its revolving credit facilities. Any cash overdraft balance principally represents outstanding checks, net of any deposits in transit that as of the balance sheet date had not yet been presented for payment. Any cash overdraft balance is reflected in accrued liabilities on the Company’s Condensed Consolidated Balance Sheets.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"> </div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Deferred Sales Tax</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">Deferred sales tax represents a sales tax liability of the Company for vehicles sold on an installment basis in the states of Alabama and Texas. Under Alabama and Texas law, for vehicles sold on an installment basis, the related sales tax is due as the payments are collected from the customer, rather than at the time of sale. Deferred sales tax liabilities are reflected in accrued liabilities on the Company’s Condensed Consolidated Balance Sheets.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Income Taxes</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">Income taxes are accounted for under the liability method. Under this method, deferred income tax assets and liabilities are determined based on differences between financial reporting and tax bases of assets and liabilities, and are measured using the enacted tax rates expected to apply in the years in which these differences are expected to be recovered or settled. The quarterly provision for income taxes is determined using an estimated annual effective tax rate, which is based on expected annual taxable income, statutory tax rates and the Company’s best estimate of nontaxable and nondeductible items of income and expense.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">Occasionally, the Company is audited by taxing authorities. These audits could result in proposed assessments of additional taxes. The Company believes that its tax positions comply in all material respects with applicable tax law. However, tax law is subject to interpretation, and interpretations by taxing authorities could be different from those of the Company, which could result in the imposition of additional taxes.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company recognizes the financial statement benefit of a tax position only after determining that the relevant tax authority would more likely than not sustain the position following an audit. For tax positions meeting the more-likely-than-not threshold, the amount recognized in the financial statements is the largest benefit that has a greater than 50 percent likelihood of being realized upon ultimate settlement with the relevant tax authority. The Company applies this methodology to all tax positions for which the statute of limitations remains open.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company is subject to income taxes in the U.S. federal jurisdiction and various state jurisdictions. Tax regulations within each jurisdiction are subject to the interpretation of the related tax laws and regulations and require significant judgment to apply. With few exceptions, the Company is no longer subject to U.S. federal, state and local income tax examinations by tax authorities for the years before fiscal 2012.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company’s policy is to recognize accrued interest related to unrecognized tax benefits in interest expense and penalties in operating expenses. The Company had no accrued penalties or interest as of October 31, 2015 or April 30, 2015.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Revenue Recognition</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9pt">Revenues are generated principally from the sale of used vehicles, which in most cases includes a service contract and a payment protection plan product, interest income and late fees earned on finance receivables. Revenues are net of taxes collected from customers and remitted to government agencies. Cost of vehicle sales include costs incurred by the Company to prepare the vehicle for sale including license and title costs, gasoline, transport services and repairs.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9pt">Revenues from the sale of used vehicles are recognized when the sales contract is signed, the customer has taken possession of the vehicle and, if applicable, financing has been approved. Revenues from the sale of vehicles sold at wholesale are recognized at the time the proceeds are received. Revenues from the sale of service contracts are recognized ratably over the expected duration of the product. Service contract revenues are included in sales and the related expenses are included in cost of sales. Payment protection plan revenues are initially deferred and then recognized to income using the “Rule of 78’s” interest method over the life of the contract so that revenues are recognized in proportion to the amount of cancellation protection provided. Payment protection plan revenues are included in sales and related losses are included in cost of sales as incurred. Interest income is recognized on all active finance receivable accounts using the simple effective interest method. Active accounts include all accounts except those that have been paid-off or charged-off.</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px">Sales consist of the following:</div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"> </div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Three Months Ended<br />October 31,</td> <td> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 48%; TEXT-ALIGN: left">Sales – used autos</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">98,836</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">106,914</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">208,094</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">208,037</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Wholesales – third party</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">6,172</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">4,763</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,842</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">9,559</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Service contract sales</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">6,731</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">3,988</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">13,543</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">7,983</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Payment protection plan revenue</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">5,931</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">3,770</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">11,786</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">7,315</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">Total</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">117,670</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">119,435</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">245,265</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">232,894</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"> </div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">At October 31, 2015 and 2014, finance receivables more than 90 days past due were approximately $1.7 million and $2.0 million, respectively. Late fee revenues totaled approximately $996,000 and $1.1 million for the six months ended October 31, 2015 and 2014, respectively. Late fees are recognized when collected and are reflected in interest and other income on the Condensed Consolidated Statements of Operations.</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px"><div style="display: inline; font-style: italic;"> </div></div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Earnings per Share</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">Basic earnings per share are computed by dividing net income attributable to common stockholders by the average number of common shares outstanding during the period. Diluted earnings per share are computed by dividing net income attributable to common stockholders by the average number of common shares outstanding during the period plus dilutive common stock equivalents. The calculation of diluted earnings per share takes into consideration the potentially dilutive effect of common stock equivalents, such as outstanding stock options and non-vested restricted stock, which if exercised or converted into common stock would then share in the earnings of the Company. In computing diluted earnings per share, the Company utilizes the treasury stock method and anti-dilutive securities are excluded.</div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px"></div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Stock-Based Compensation</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company recognizes the cost of employee services received in exchange for awards of equity instruments, such as stock options and restricted stock, based on the fair value of those awards at the date of grant over the requisite service period. The Company uses the Black-Scholes option pricing model to determine the fair value of stock option awards. The Company may issue either new shares or treasury shares upon exercise of these awards. Stock-based compensation plans, related expenses and assumptions used in the Black-Scholes option pricing model are more fully described in Note I. If an award contains a performance condition, expense is recognized only for those shares for which it is considered reasonably probable as of the current period end that the performance condition will be met.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Treasury Stock</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company purchased 89,658 shares of its common stock to be held as treasury stock for a total cost of $4.0 million during the first six months of fiscal 2016 and 255,208 shares for a total cost of $10.3 million during the first six months of fiscal 2015. Treasury stock may be used for issuances under the Company’s stock-based compensation plans or for other general corporate purposes.</div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Recent Accounting Pronouncements</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">Occasionally, new accounting pronouncements are issued by the Financial Accounting Standards Board (“FASB”) or other standard setting bodies which the Company adopts as of the specified effective date. Unless otherwise discussed, the Company believes the impact of recently issued standards which are not yet effective will not have a material impact on its consolidated financial statements upon adoption.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-style: italic;">Revenue Recognition</div>. In May 2014, the FASB issued ASU 2014-09, <div style="display: inline; font-style: italic;">Revenue from Contracts with Customers</div> (Topic 606), which supersedes existing revenue recognition guidance. The new guidance in ASU 2014-09 is based on the principle that revenue is recognized to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. ASU 2014-09 also requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract. In August 2015, the FASB issued ASU 2015-14, <div style="display: inline; font-style: italic;">Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date</div>, to provide entities with an additional year to implement ASU 2014-09. As a result, the guidance in ASU 2014-09 is effective for annual and interim reporting periods beginning after December 15, 2017, using one of two retrospective application methods. The Company is currently evaluating the potential effects of the adoption of this update on the consolidated financial statements.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 13.5pt"><div style="display: inline; font-style: italic;">Debt Issuance Costs</div>. In April 2015, the FASB issued ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs, which amends the current presentation of debt issuance costs in the financial statements. ASU 2015-03 requires that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts, instead of as an asset. The amendments are to be applied retrospectively and are effective for interim and annual periods beginning after December 15, 2015. The adoption of the new guidance is not expected to have a material impact on the Company’s consolidated financial statements.</div></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for all significant accounting policies of the reporting entity.</p></div>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227717423088">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Condensed Consolidated Balance Sheets (Unaudited) (Parentheticals) - $ / shares<br></strong></div></th>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Apr. 30, 2015</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value (in dollars per share)</a></td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized (in shares)</a></td>
<td class="nump">1,000,000<span></span>
</td>
<td class="nump">1,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesIssued', window );">Preferred stock, shares issued (in shares)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesOutstanding', window );">Preferred stock, shares outstanding (in shares)</a></td>
<td class="nump">0<span></span>
</td>
<td class="nump">0<span></span>
</td>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value (in dollars per share)</a></td>
<td class="nump">$ 0.01<span></span>
</td>
<td class="nump">$ 0.01<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized (in shares)</a></td>
<td class="nump">50,000,000<span></span>
</td>
<td class="nump">50,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued (in shares)</a></td>
<td class="nump">12,708,291<span></span>
</td>
<td class="nump">12,688,890<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Common stock, shares outstanding (in shares)</a></td>
<td class="nump">8,458,966<span></span>
</td>
<td class="nump">8,529,223<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockShares', window );">Treasury stock, shares (in shares)</a></td>
<td class="nump">4,249,325<span></span>
</td>
<td class="nump">4,159,667<span></span>
</td>
</tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of common stock.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The maximum number of common shares permitted to be issued by an entity's charter and bylaws.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of shares of common stock outstanding. Common stock represent the ownership interest in a corporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.3-04)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br></p></div>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.28)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29<br><br><br><br> -Article 5<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockParOrStatedValuePerShare</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesAuthorized">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.28)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29<br><br><br><br> -Article 5<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockSharesAuthorized</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesIssued">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.28)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29<br><br><br><br> -Article 5<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockSharesIssued</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate share number for all nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) held by stockholders. Does not include preferred shares that have been repurchased.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.28)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29<br><br><br><br> -Article 5<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PreferredStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockShares">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of common and preferred shares that were previously issued and that were repurchased by the issuing entity and held in treasury on the financial statement date. This stock has no voting rights and receives no dividends.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.28,29)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29, 30<br><br><br><br> -Article 5<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TreasuryStockShares</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227707384080">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Significant Accounting Policies (Policies)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConsolidationPolicyTextBlock', window );">Consolidation, Policy [Policy Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Principles of Consolidation</div><div style=" font-size: 10pt; text-align: justify; margin: 0"><div style="display: inline; font-style: italic;"> </div></div><div style=" font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The consolidated financial statements include the accounts of America’s Car-Mart, Inc. and its subsidiaries. All intercompany accounts and transactions have been eliminated.</div></div></div></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingPolicyPolicyTextBlock', window );">Segment Reporting, Policy [Policy Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Segment Information</div><div style=" font-size: 10pt; margin: 0"> </div><div style=" font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0 0 12pt">Each dealership is an operating segment with its results regularly reviewed by the Company’s chief operating decision maker in an effort to make decisions about resources to be allocated to the segment and to assess its performance. Individual dealerships meet the aggregation criteria for reporting purposes under the current accounting guidance. The Company operates in the Integrated Auto Sales and Finance segment of the used car market, also referred to as the Integrated Auto Sales and Finance industry. In this industry, the nature of the sale and the financing of the transaction, financing processes, the type of customer and the methods used to distribute the Company’s products and services, including the actual servicing of the contracts as well as the regulatory environment in which the Company operates, all have similar characteristics. Each of our individual dealerships is similar in nature and only engages in the selling and financing of used vehicles. All individual dealerships have similar operating characteristics. As such, individual dealerships have been aggregated into one reportable segment.</div></div></div></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UseOfEstimates', window );">Use of Estimates, Policy [Policy Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Use of Estimates</div><div style=" font-size: 10pt; text-align: justify; margin: 0"><div style="display: inline; font-style: italic;"> </div></div><div style=" font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements, and the reported amounts of revenues and expenses during the period. Actual results could differ from those estimates. Significant estimates include, but are not limited to, the Company’s allowance for credit losses.</div></div></div></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConcentrationRiskCreditRisk', window );">Concentration Risk, Credit Risk, Policy [Policy Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Concentration of Risk</div><div style=" font-size: 10pt; text-align: justify; margin: 0"><div style="display: inline; font-style: italic;"> </div></div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company provides financing in connection with the sale of substantially all of its vehicles. These sales are made primarily to customers residing in Alabama, Arkansas, Georgia, Kentucky, Mississippi, Missouri, Oklahoma, Tennessee, and Texas, with approximately 32% of revenues resulting from sales to Arkansas customers.</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Periodically, the Company maintains cash in financial institutions in excess of the amounts insured by the federal government. The Company’s revolving credit facilities mature in October 2017. The Company expects that these credit facilities will be renewed or refinanced on or before the scheduled maturity dates.</div></div></div></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_LineOfCreditFacilityDividendRestrictionsPolicyTextBlock', window );">Line of Credit Facility, Dividend Restrictions [Policy Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; text-align: justify; margin: 0">Restrictions on Distributions/Dividends</div><div style=" font-size: 10pt; text-align: justify; margin: 0"><div style="display: inline; font-style: italic;"> </div></div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company’s revolving credit facilities generally restrict distributions by the Company to its shareholders. The distribution limitations under the Credit Facilities allow the Company to repurchase the Company’s stock so long as: either (a) the aggregate amount of such repurchases does not exceed $40 million beginning October 8, 2014 and the sum of borrowing bases combined minus the principal balances of all revolver loans after giving effect to such repurchases is equal to or greater than 30% of the sum of the borrowing bases, or (b) the aggregate amount of such repurchases does not exceed 75% of the consolidated net income of the Company measured on a trailing twelve month basis; provided that immediately before and after giving effect to the stock repurchases, at least 12.5% of the aggregate funds committed under the credit facilities remain available. Thus, the Company is limited in its ability to pay dividends or make other distributions to its shareholders without the consent of the Company’s lenders.</div></div></div></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPolicyTextBlock', window );">Cash and Cash Equivalents, Policy [Policy Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Cash Equivalents</div><div style=" font-size: 10pt; text-align: justify; margin: 0"><div style="display: inline; font-style: italic;"> </div></div><div style=" font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">The Company considers all highly liquid debt instruments purchased with original maturities of three months or less to be cash equivalents.</div></div></div></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InventoryPolicyTextBlock', window );">Inventory, Policy [Policy Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; margin: 0"><div style="display: inline; font-style: italic;">Inventory</div></div><div style=" font-size: 10pt; text-align: justify; margin: 0"> </div><div style=" font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0">Inventory consists of used vehicles and is valued at the lower of cost or market on a specific identification basis. Vehicle reconditioning costs are capitalized as a component of inventory. Repossessed vehicles and trade-in vehicles are recorded at fair value, which approximates wholesale value. The cost of used vehicles sold is determined using the specific identification method.</div></div></div></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy', window );">Goodwill and Intangible Assets, Goodwill, Policy [Policy Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; margin: 0"><div style="display: inline; font-style: italic;">Goodwill </div></div><div style=" font-size: 10pt; text-align: justify; margin: 0"><div style="display: inline; font-style: italic;"> </div></div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 12pt">Goodwill reflects the excess of purchase price over the fair value of specifically identified net assets purchased. Goodwill and intangible assets deemed to have indefinite lives are not amortized but are subject to annual impairment tests at the Company’s year-end. The impairment tests are based on the comparison of the fair value of the reporting unit to the carrying value of such unit. If the fair value of the reporting unit falls below its carrying value, the Company performs the second step of the two-step goodwill impairment process to determine the amount, if any, that the goodwill is impaired. The second step involves determining the fair value of the identifiable assets and liabilities and the implied goodwill. The implied goodwill is compared to the carrying value of the goodwill to determine the impairment, if any. There was no impairment of goodwill during fiscal 2015, and to date, there has been no impairment during fiscal 2016.</div></div></div></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock', window );">Property, Plant and Equipment, Policy [Policy Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Property and Equipment</div><div style=" font-size: 10pt; text-align: justify; margin: 0"><div style="display: inline; font-style: italic;"> </div></div><div style=" font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0 0 12pt">Property and equipment are stated at cost. Expenditures for additions, remodels and improvements are capitalized. Costs of repairs and maintenance are expensed as incurred. Leasehold improvements are amortized over the shorter of the estimated life of the improvement or the lease period. The lease period includes the primary lease term plus any extensions that are reasonably assured. Depreciation is computed principally using the straight-line method generally over the following estimated useful lives:</div><div> <table cellspacing="0" cellpadding="0" style="; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 700px;"> <tr style="vertical-align: top"> <td style="width: 34%; padding-right: 5.4pt; padding-left: 5.4pt; layout-grid-mode: line"><div style="display: inline; font: 10pt Times New Roman, Times, Serif">Furniture, fixtures and equipment (years)</div></td> <td style="width: 3%; padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: right; layout-grid-mode: line"><div style="display: inline; font-family: Times New Roman, Times, Serif; font-weight: normal">3</div></td> <td style="width: 3%; text-align: center">to</td> <td style="width: 3%"> 7</td> <td style="width: 48%"> </td> </tr> <tr style="vertical-align: top"> <td style="padding-right: 5.4pt; padding-left: 5.4pt"><div style="display: inline; font-family: Times New Roman, Times, Serif">Leasehold improvements</div> (years)</td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: right; layout-grid-mode: line"><div style="display: inline; font-family: Times New Roman, Times, Serif; font-weight: normal">5</div></td> <td style="text-align: center">to</td> <td> 15</td> <td> </td> </tr> <tr style="vertical-align: top"> <td style="padding-right: 5.4pt; padding-left: 5.4pt; layout-grid-mode: line"><div style="display: inline; font: 10pt Times New Roman, Times, Serif">Buildings and improvements</div> (years)</td> <td style="padding-right: 5.4pt; padding-left: 5.4pt; font-weight: bold; text-align: right; layout-grid-mode: line"><div style="display: inline; font-family: Times New Roman, Times, Serif; font-weight: normal">18</div></td> <td style="text-align: center">to</td> <td> 39</td> <td> </td> </tr> </table> </div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 12pt">Property and equipment are reviewed for impairment whenever events or changes in circumstances indicate the carrying amount of an asset may not be recoverable. Recoverability of assets to be held and used is measured by a comparison of the carrying amount of an asset to future undiscounted net cash flows expected to be generated by the asset. If such assets are considered to be impaired, the impairment to be recognized is measured by the amount by which the carrying values of the impaired assets exceed the fair value of such assets. Assets to be disposed of are reported at the lower of the carrying amount or fair value less costs to sell.</div></div></div></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_CashOverdraftPolicyTextBlock', window );">Cash Overdraft [Policy Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Cash Overdraft</div><div style=" font-size: 10pt; margin: 0"> </div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">As checks are presented for payment from the Company’s primary disbursement bank account, monies are automatically drawn against cash collections for the day and, if necessary, are drawn against one of its revolving credit facilities. Any cash overdraft balance principally represents outstanding checks, net of any deposits in transit that as of the balance sheet date had not yet been presented for payment. Any cash overdraft balance is reflected in accrued liabilities on the Company’s Condensed Consolidated Balance Sheets.</div></div></div></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_DeferredSalesTaxPolicyTextBlock', window );">Deferred Sales Tax [Policy Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Deferred Sales Tax</div><div style=" font-size: 10pt; margin: 0"> </div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Deferred sales tax represents a sales tax liability of the Company for vehicles sold on an installment basis in the states of Alabama and Texas. Under Alabama and Texas law, for vehicles sold on an installment basis, the related sales tax is due as the payments are collected from the customer, rather than at the time of sale. Deferred sales tax liabilities are reflected in accrued liabilities on the Company’s Condensed Consolidated Balance Sheets.</div></div></div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxPolicyTextBlock', window );">Income Tax, Policy [Policy Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Income Taxes</div><div style=" font-size: 10pt; text-align: justify; margin: 0"> </div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Income taxes are accounted for under the liability method. Under this method, deferred income tax assets and liabilities are determined based on differences between financial reporting and tax bases of assets and liabilities, and are measured using the enacted tax rates expected to apply in the years in which these differences are expected to be recovered or settled. The quarterly provision for income taxes is determined using an estimated annual effective tax rate, which is based on expected annual taxable income, statutory tax rates and the Company’s best estimate of nontaxable and nondeductible items of income and expense.</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Occasionally, the Company is audited by taxing authorities. These audits could result in proposed assessments of additional taxes. The Company believes that its tax positions comply in all material respects with applicable tax law. However, tax law is subject to interpretation, and interpretations by taxing authorities could be different from those of the Company, which could result in the imposition of additional taxes.</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company recognizes the financial statement benefit of a tax position only after determining that the relevant tax authority would more likely than not sustain the position following an audit. For tax positions meeting the more-likely-than-not threshold, the amount recognized in the financial statements is the largest benefit that has a greater than 50 percent likelihood of being realized upon ultimate settlement with the relevant tax authority. The Company applies this methodology to all tax positions for which the statute of limitations remains open.</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company is subject to income taxes in the U.S. federal jurisdiction and various state jurisdictions. Tax regulations within each jurisdiction are subject to the interpretation of the related tax laws and regulations and require significant judgment to apply. With few exceptions, the Company is no longer subject to U.S. federal, state and local income tax examinations by tax authorities for the years before fiscal 2012.</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company’s policy is to recognize accrued interest related to unrecognized tax benefits in interest expense and penalties in operating expenses. The Company had no accrued penalties or interest as of October 31, 2015 or April 30, 2015.</div></div></div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenueRecognitionPolicyTextBlock', window );">Revenue Recognition, Policy [Policy Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Revenue Recognition</div><div style=" font-size: 10pt; text-align: justify; margin: 0"> </div><div style=" font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0 0 12pt">Revenues are generated principally from the sale of used vehicles, which in most cases includes a service contract and a payment protection plan product, interest income and late fees earned on finance receivables. Revenues are net of taxes collected from customers and remitted to government agencies. Cost of vehicle sales include costs incurred by the Company to prepare the vehicle for sale including license and title costs, gasoline, transport services and repairs.</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0 0 12pt">Revenues from the sale of used vehicles are recognized when the sales contract is signed, the customer has taken possession of the vehicle and, if applicable, financing has been approved. Revenues from the sale of vehicles sold at wholesale are recognized at the time the proceeds are received. Revenues from the sale of service contracts are recognized ratably over the expected duration of the product. Service contract revenues are included in sales and the related expenses are included in cost of sales. Payment protection plan revenues are initially deferred and then recognized to income using the “Rule of 78’s” interest method over the life of the contract so that revenues are recognized in proportion to the amount of cancellation protection provided. Payment protection plan revenues are included in sales and related losses are included in cost of sales as incurred. Interest income is recognized on all active finance receivable accounts using the simple effective interest method. Active accounts include all accounts except those that have been paid-off or charged-off.</div><div style=" font-size: 10pt; margin: 0">Sales consist of the following:</div><div style=" font-size: 10pt; text-align: center; margin: 0; color: Red"><div style="display: inline; font-weight: bold;"> </div></div><div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: center"></td> <td style="font-size: 10pt"> </td> <td colspan="7" style="font-size: 10pt; text-align: center">Three Months Ended<br /> October 31,</td> <td> </td> <td colspan="7" style="font-size: 10pt; text-align: center">Six Months Ended<br /> October 31,</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-style: italic; border-bottom: Black 1pt solid">(In thousands)</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td> <td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td> <td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2015</td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td> <td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2014</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 48%; font-size: 10pt; text-align: left">Sales – used autos</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right">98,836</td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right">106,914</td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right">208,094</td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right">208,037</td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Wholesales – third party</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right">6,172</td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right">4,763</td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right">11,842</td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right">9,559</td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Service contract sales</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right">6,731</td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right">3,988</td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right">13,543</td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right">7,983</td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Payment protection plan revenue</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">5,931</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">3,770</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">11,786</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right">7,315</td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; padding-bottom: 2.25pt">Total</td> <td style="font-size: 10pt; padding-bottom: 2.25pt"> </td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">117,670</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.25pt"> </td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">119,435</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.25pt"> </td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">245,265</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.25pt"> </td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: right">232,894</td> <td style="border-bottom: Black 2.25pt double; font-size: 10pt; text-align: left"> </td> </tr> </table> </div><div style=" font-size: 10pt; text-align: center; margin: 0; color: Red"><div style="display: inline; font-weight: bold;"> </div></div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">At October 31, 2015 and 2014, finance receivables more than 90 days past due were approximately $1.7 million and $2.0 million, respectively. Late fee revenues totaled approximately $996,000 and $1.1 million for the six months ended October 31, 2015 and 2014, respectively. Late fees are recognized when collected and are reflected in interest and other income on the Condensed Consolidated Statements of Operations.</div></div></div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerSharePolicyTextBlock', window );">Earnings Per Share, Policy [Policy Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Earnings per Share</div><div style=" font-size: 10pt; margin: 0"> </div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0 0 12pt">Basic earnings per share are computed by dividing net income attributable to common stockholders by the average number of common shares outstanding during the period. Diluted earnings per share are computed by dividing net income attributable to common stockholders by the average number of common shares outstanding during the period plus dilutive common stock equivalents. The calculation of diluted earnings per share takes into consideration the potentially dilutive effect of common stock equivalents, such as outstanding stock options and non-vested restricted stock, which if exercised or converted into common stock would then share in the earnings of the Company. In computing diluted earnings per share, the Company utilizes the treasury stock method and anti-dilutive securities are excluded.</div></div></div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy', window );">Share-based Compensation, Option and Incentive Plans Policy [Policy Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Stock-Based Compensation</div><div style=" font-size: 10pt; margin: 0"> </div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company recognizes the cost of employee services received in exchange for awards of equity instruments, such as stock options and restricted stock, based on the fair value of those awards at the date of grant over the requisite service period. The Company uses the Black-Scholes option pricing model to determine the fair value of stock option awards. The Company may issue either new shares or treasury shares upon exercise of these awards. Stock-based compensation plans, related expenses and assumptions used in the Black-Scholes option pricing model are more fully described in Note I. If an award contains a performance condition, expense is recognized only for those shares for which it is considered reasonably probable as of the current period end that the performance condition will be met.</div></div></div></div><span></span>
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<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_TreasuryStockPolicyTextBlock', window );">Treasury Stock [Policy Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Treasury Stock</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9pt; margin: 0"> </div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">The Company purchased 89,658 shares of its common stock to be held as treasury stock for a total cost of $4.0 million during the first six months of fiscal 2016 and 255,208 shares for a total cost of $10.3 million during the first six months of fiscal 2015. Treasury stock may be used for issuances under the Company’s stock-based compensation plans or for other general corporate purposes.</div></div></div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock', window );">New Accounting Pronouncements, Policy [Policy Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; font-style: italic; margin: 0; text-align: justify">Recent Accounting Pronouncements</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0">Occasionally, new accounting pronouncements are issued by the Financial Accounting Standards Board (“FASB”) or other standard setting bodies which the Company adopts as of the specified effective date. Unless otherwise discussed, the Company believes the impact of recently issued standards which are not yet effective will not have a material impact on its consolidated financial statements upon adoption.</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"><div style="display: inline; font-style: italic;">Revenue Recognition</div>. In May 2014, the FASB issued ASU 2014-09, <div style="display: inline; font-style: italic;">Revenue from Contracts with Customers</div> (Topic 606), which supersedes existing revenue recognition guidance. The new guidance in ASU 2014-09 is based on the principle that revenue is recognized to depict the transfer of goods or services to customers in an amount that reflects the consideration to which the entity expects to be entitled in exchange for those goods or services. ASU 2014-09 also requires additional disclosure about the nature, amount, timing and uncertainty of revenue and cash flows arising from customer contracts, including significant judgments and changes in judgments and assets recognized from costs incurred to obtain or fulfill a contract. In August 2015, the FASB issued ASU 2015-14, <div style="display: inline; font-style: italic;">Revenue from Contracts with Customers (Topic 606): Deferral of the Effective Date</div>, to provide entities with an additional year to implement ASU 2014-09. As a result, the guidance in ASU 2014-09 is effective for annual and interim reporting periods beginning after December 15, 2017, using one of two retrospective application methods. The Company is currently evaluating the potential effects of the adoption of this update on the consolidated financial statements.</div><div style=" font-size: 10pt; text-align: justify; text-indent: 9.35pt; margin: 0"> </div><div style=" font-size: 10pt; text-align: justify; text-indent: 13.5pt; margin: 0"><div style="display: inline; font-style: italic;">Debt Issuance Costs</div>. In April 2015, the FASB issued ASU 2015-03, Simplifying the Presentation of Debt Issuance Costs, which amends the current presentation of debt issuance costs in the financial statements. ASU 2015-03 requires that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts, instead of as an asset. The amendments are to be applied retrospectively and are effective for interim and annual periods beginning after December 15, 2015. The adoption of the new guidance is not expected to have a material impact on the Company’s consolidated financial statements.</div></div></div></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinanceLoansAndLeasesReceivablePolicy', window );">Finance, Loans and Leases Receivable, Policy [Policy Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Finance Receivables, Repossessions and Charge-offs and Allowance for Credit Losses</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-style: italic;"> </div></div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">The Company originates installment sale contracts from the sale of used vehicles at its dealerships. These installment sale contracts typically carry an interest rate of 15% using the simple effective interest method including any deferred fees. Contract origination costs are not significant.<div style="display: inline; font-style: italic;"> </div>The installment sale contracts are not pre-computed contracts whereby borrowers are obligated to pay back principal plus the full amount of interest that will accrue over the entire term of the contract. Finance receivables are collateralized by vehicles sold and consist of contractually scheduled payments from installment contracts net of unearned finance charges and an allowance for credit losses. Unearned finance charges represent the balance of interest receivable to be earned over the entire term of the related installment contract, less the earned amount ($1.7 million at October 31, 2015 and $2.0 million at April 30, 2015), and as such, has been reflected as a reduction to the gross contract amount in arriving at the principal balance in finance receivables<div style="display: inline; font-style: italic;">.</div> Accounts are delinquent when the customer is one day or more behind on their contractual payments<div style="display: inline; font-style: italic;">. </div>While the Company does not formally place contracts on nonaccrual status, the immaterial amount of interest that may accrue after an account becomes delinquent up until the point of resolution via repossession or write-off, is reserved for against the accrued interest on the Consolidated Balance Sheets. Delinquent contracts are addressed and either made current by the customer or the vehicle is repossessed or written off if the collateral cannot be recovered quickly. Customer payments are set to match their payday with approximately 73% of payments due on either a weekly or bi-weekly basis. The frequency of the payment due dates combined with the declining value of collateral lead to prompt resolutions on problem accounts. <div style="display: inline; font-style: italic;"></div>At October 31, 2015, 3.5% of the Company’s finance receivable balances were 30 days or more past due compared to 4.4% at October 31, 2014.</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">Substantially all of the Company’s automobile contracts involve contracts made to individuals with impaired or limited credit histories, or higher debt-to-income ratios than permitted by traditional lenders. Contracts made with buyers who are restricted in their ability to obtain financing from traditional lenders generally entail a higher risk of delinquency, default and repossession, and higher losses than contracts made with buyers with better credit.</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">The Company strives to keep its delinquency percentages low, and not to repossess vehicles. Accounts two days late are sent a notice in the mail. Accounts three days late are contacted by telephone. Notes from each telephone contact are electronically maintained in the Company’s computer system. If a customer becomes severely delinquent in his or her payments, and management determines that timely collection of future payments is not probable, the Company will take steps to repossess the vehicle. The Company attempts to resolve payment delinquencies amicably prior to repossessing a vehicle. Periodically, the Company enters into contract modifications with its customers to extend or modify the payment terms. The Company only enters into a contract modification or extension if it believes such action will increase the amount of monies the Company will ultimately realize on the customer’s account and will increase the likelihood of the customer being able to pay off the vehicle contract. At the time of modification, the Company expects to collect amounts due including accrued interest at the contractual interest rate for the period of delay. Other than the extension of additional time, concessions are not granted to customers at the time of modifications. Modifications are minor and are made for payday changes, minor vehicle repairs and other reasons. For those vehicles that are repossessed, the majority are returned or surrendered by the customer on a voluntary basis. Other repossessions are performed by Company personnel or third party repossession agents. Depending on the condition of a repossessed vehicle, it is either resold on a retail basis through a Company dealership, or sold for cash on a wholesale basis primarily through physical or online auctions.</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">The Company takes steps to repossess a vehicle when the customer becomes delinquent in his or her payments and management determines that timely collection of future payments is not probable. Accounts are charged-off after the expiration of a statutory notice period for repossessed accounts, or when management determines that the timely collection of future payments is not probable for accounts where the Company has been unable to repossess the vehicle. For accounts with respect to which the vehicle was repossessed, the fair value of the repossessed vehicle is charged as a reduction of the gross finance receivable balance charged-off. On average, accounts are approximately 59 days past due at the time of charge-off. For previously charged-off accounts that are subsequently recovered, the amount of such recovery is credited to the allowance for credit losses.</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">The Company maintains an allowance for credit losses on an aggregate basis, as opposed to a contract-by-contract basis, at an amount it considers sufficient to cover estimated losses inherent in the portfolio at the balance sheet date in the collection of its finance receivables currently outstanding. The Company accrues an estimated loss as it is probable that the entire amount will not be collected and the amount of the loss can be reasonably estimated in the aggregate. The allowance for credit losses is based primarily upon historical credit loss experience, with consideration given to recent credit loss trends and changes in contract characteristics (i.e., average amount financed and term), delinquency levels, collateral values, economic conditions and underwriting and collection practices. The allowance for credit losses is periodically reviewed by management with any changes reflected in current operations. Although it is at least reasonably possible that events or circumstances could occur in the future that are not presently foreseen which could cause actual credit losses to be materially different from the recorded allowance for credit losses, the Company believes that it has given appropriate consideration to all relevant factors and has made reasonable assumptions in determining the allowance for credit losses. The calculation of the allowance for credit losses uses the following primary factors:</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.75in; TEXT-INDENT: 9.35pt"><div style="display: inline; FONT-FAMILY: Symbol">·</div> The number of units repossessed or charged-off as a percentage of total units financed over specific historical periods of time from one year to five years.</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.5in; TEXT-INDENT: 9.35pt"> </div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.75in; TEXT-INDENT: 9.35pt"><div style="display: inline; FONT-FAMILY: Symbol">·</div> The average net repossession and charge-off loss per unit during the last eighteen months, segregated by the number of months since the contract origination date, and adjusted for the expected future average net charge-off loss per unit. Approximately 50% of the charge-offs that will ultimately occur in the portfolio are expected to occur within 10-11 months following the balance sheet date. The average age of an account at charge-off date is 11.6 months.</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.5in; TEXT-INDENT: 9.35pt"> </div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 0px 0.75in; TEXT-INDENT: 9.35pt"><div style="display: inline; FONT-FAMILY: Symbol">·</div> The timing of repossession and charge-off losses relative to the date of sale (i.e., how long it takes for a repossession or charge-off to occur) for repossessions and charge-offs occurring during the last eighteen months.</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">A point estimate is produced by this analysis which is then supplemented by any positive or negative subjective factors to arrive at an overall reserve amount that management considers to be a reasonable estimate of losses inherent in the portfolio at the balance sheet date that will be realized via actual charge-offs in the future. While challenging economic conditions can negatively impact credit losses, the effectiveness of the execution of internal policies and procedures within the collections area and the competitive environment on the lending side have historically had a more significant effect on collection results than macro-economic issues. The allowance for credit losses at October 31, 2015 of $100.4 million was 25.0% of the principal balance in finance receivables of $427.7 million, less unearned payment protection plan revenue of $16.1 million and unearned service contract revenue of $9.9 million.</div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">In most states, the Company offers retail customers who finance their vehicle the option of purchasing a payment protection plan product as an add-on to the installment sale contract. This product contractually obligates the Company to cancel the remaining principal outstanding for any contract where the retail customer has totaled the vehicle, as defined, or the vehicle has been stolen. The Company periodically evaluates anticipated losses to ensure that if anticipated losses exceed deferred payment protection plan revenues, an additional liability is recorded for such difference. No such liability was required at October 31, 2015 or 2014.</div></div></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the disclosure of policy for cash overdrafts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the disclosure of accounting policy for deferred sales tax.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the policy of line of credit facility dividend restrictions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td style="white-space:nowrap;">crmt_LineOfCreditFacilityDividendRestrictionsPolicyTextBlock</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the treasury stock accounting policy.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AccountingPoliciesAbstract</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for cash and cash equivalents, including the policy for determining which items are treated as cash equivalents. Other information that may be disclosed includes (1) the nature of any restrictions on the entity's use of its cash and cash equivalents, (2) whether the entity's cash and cash equivalents are insured or expose the entity to credit risk, (3) the classification of any negative balance accounts (overdrafts), and (4) the carrying basis of cash equivalents (for example, at cost) and whether the carrying amount of cash equivalents approximates fair value.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 305<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 05<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6375392&loc=d3e26790-107797<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4273-108586<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6506951<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51655414&loc=d3e18780-107790<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash Equivalents<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6507016<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Financial Reporting Release (FRR)<br><br><br><br> -Number 203<br><br><br><br> -Paragraph 02-03<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 1<br><br><br><br> -Article 5<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ConcentrationRiskCreditRisk">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for credit risk.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 825<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6875567&loc=d3e14489-108613<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 825<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51676700&loc=d3e61082-112788<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 825<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=28088331&loc=SL29635902-196195<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 825<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 21<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13537-108611<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 825<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 20<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13531-108611<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 825<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51676700&loc=d3e61044-112788<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy regarding (1) the principles it follows in consolidating or combining the separate financial statements, including the principles followed in determining the inclusion or exclusion of subsidiaries or other entities in the consolidated or combined financial statements and (2) its treatment of interests (for example, common stock, a partnership interest or other means of exerting influence) in other entities, for example consolidation or use of the equity or cost methods of accounting. The accounting policy may also address the accounting treatment for intercompany accounts and transactions, noncontrolling interest, and the income statement treatment in consolidation for issuances of stock by a subsidiary.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51655414&loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=18733093&loc=d3e5614-111684<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.3A-02)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=27015204&loc=d3e355033-122828<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph k<br><br><br><br> -Article 1<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02, 03<br><br><br><br> -Article 3A<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for computing basic and diluted earnings or loss per share for each class of common stock and participating security. Addresses all significant policy factors, including any antidilutive items that have been excluded from the computation and takes into account stock dividends, splits and reverse splits that occur after the balance sheet date of the latest reporting period but before the issuance of the financial statements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (c)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3630-109257<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51655414&loc=d3e18780-107790<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerSharePolicyTextBlock</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinanceLoansAndLeasesReceivablePolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for finance, loan and lease receivables, including those held for investment and those held for sale. This disclosure may include (1) the basis at which such receivables are carried in the entity's statements of financial position (2) how the level of the allowance for loan and lease losses is determined (3) when impairments, charge-offs or recoveries are recognized for such receivables (4) the treatment of origination fees and costs, including the amortization method for net deferred fees or costs (5) the treatment of any premiums or discounts or unearned income (6) the entity's income recognition (revenues, expenses and gains and losses arising from committing to issue, issuing, granting, collecting, terminating, modifying and holding loans) policies for such receivables, including those that are impaired, past due or placed on nonaccrual status and (7) the treatment of foreclosures or repossessions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 9<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5144-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6378556&loc=d3e10133-111534<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 6<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5093-111524<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51655414&loc=d3e18780-107790<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 15<br><br><br><br> -Subparagraph (b,d)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5212-111524<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 3-5<br><br><br><br> -Article 5<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinanceLoansAndLeasesReceivablePolicy</td>
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<td><strong> Period Type:</strong></td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for goodwill. This accounting policy also may address how an entity assesses and measures impairment of goodwill, how reporting units are determined, how goodwill is allocated to such units, and how the fair values of the reporting units are determined.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51655414&loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=35741047&loc=d3e13816-109267<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for income taxes, which may include its accounting policies for recognizing and measuring deferred tax assets and liabilities and related valuation allowances, recognizing investment tax credits, operating loss carryforwards, tax credit carryforwards, and other carryforwards, methodologies for determining its effective income tax rate and the characterization of interest and penalties in the financial statements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51655414&loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 740<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 19<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32840-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 740<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 05<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6423966&loc=d3e40913-109327<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 954<br><br><br><br> -SubTopic 740<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6491622&loc=d3e9504-115650<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 740<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 17<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32809-109319<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 740<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 25<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=37586315&loc=d3e32247-109318<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 740<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=37586315&loc=d3e32280-109318<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InventoryPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for major classes of inventories, bases of stating inventories (for example, lower of cost or market), methods by which amounts are added and removed from inventory classes (for example, FIFO, LIFO, or average cost), loss recognition on impairment of inventories, and situations in which inventories are stated above cost. If inventory is carried at cost, this disclosure includes the nature of the cost elements included in inventory.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 330<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=28360613&loc=d3e4492-108314<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.6(b))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51655414&loc=d3e18780-107790<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 330<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=28360613&loc=d3e4556-108314<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6361739&loc=d3e7789-107766<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Financial Reporting Release (FRR)<br><br><br><br> -Number 206<br><br><br><br> -Paragraph b<br><br><br><br> -Subparagraph i, ii<br><br><br><br> -Chapter 2<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 6<br><br><br><br> -Subparagraph a<br><br><br><br> -Article 5<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InventoryPolicyTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td>nonnum:textBlockItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy pertaining to new accounting pronouncements that may impact the entity's financial reporting. Includes, but is not limited to, quantification of the expected or actual impact.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for long-lived, physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, basis of assets, depreciation and depletion methods used, including composite deprecation, estimated useful lives, capitalization policy, accounting treatment for costs incurred for repairs and maintenance, capitalized interest and the method it is calculated, disposals and impairments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51655414&loc=d3e18780-107790<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.13(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentPolicyTextBlock</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RevenueRecognitionPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for revenue recognition. If the entity has different policies for different types of revenue transactions, the policy for each material type of transaction is generally disclosed. If a sales transaction has multiple element arrangements (for example, delivery of multiple products, services or the rights to use assets) the disclosure may indicate the accounting policy for each unit of accounting as well as how units of accounting are determined and valued. The disclosure may encompass important judgment as to appropriateness of principles related to recognition of revenue. The disclosure also may indicate the entity's treatment of any unearned or deferred revenue that arises from the transaction.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51655414&loc=d3e18823-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51655414&loc=d3e18780-107790<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51655414&loc=d3e18726-107790<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 605<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SAB TOPIC 13.B.Q1)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=27012821&loc=d3e214044-122780<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 13<br><br><br><br> -Section B<br><br><br><br> -Paragraph Question 1<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RevenueRecognitionPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SegmentReportingPolicyPolicyTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for segment reporting.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51655414&loc=d3e18780-107790<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_SegmentReportingPolicyPolicyTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for stock option and stock incentive plans. This disclosure may include (1) the types of stock option or incentive plans sponsored by the entity (2) the groups that participate in (or are covered by) each plan (3) significant plan provisions and (4) how stock compensation is measured, and the methodologies and significant assumptions used to determine that measurement.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5047-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51655414&loc=d3e18780-107790<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (b),(f)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UseOfEstimates">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 275<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51801978&loc=d3e6061-108592<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 275<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 9<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51801978&loc=d3e6143-108592<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 275<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 8<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51801978&loc=d3e6132-108592<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_UseOfEstimates</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227707769008">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Document And Entity Information - shares<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
<th class="th" colspan="1"></th>
</tr>
<tr>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Dec. 01, 2015</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">AMERICAS CARMART INC<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000799850<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">crmt<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CurrentFiscalYearEndDate', window );">Current Fiscal Year End Date</a></td>
<td class="text">--04-30<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFilerCategory', window );">Entity Filer Category</a></td>
<td class="text">Accelerated Filer<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCurrentReportingStatus', window );">Entity Current Reporting Status</a></td>
<td class="text">Yes<span></span>
</td>
<td class="text"> <span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityVoluntaryFilers', window );">Entity Voluntary Filers</a></td>
<td class="text">No<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityWellKnownSeasonedIssuer', window );">Entity Well-known Seasoned Issuer</a></td>
<td class="text">No<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCommonStockSharesOutstanding', window );">Entity Common Stock, Shares Outstanding (in shares)</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">8,446,966<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">10-Q<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Oct. 31, 2015<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentFiscalYearFocus', window );">Document Fiscal Year Focus</a></td>
<td class="text">2016<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentFiscalPeriodFocus', window );">Document Fiscal Period Focus</a></td>
<td class="text">Q2<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>If the value is true, then the document is an amendment to previously-filed/accepted document.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CurrentFiscalYearEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CurrentFiscalYearEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gMonthDayItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalPeriodFocus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This is focus fiscal period of the document report. For a first quarter 2006 quarterly report, which may also provide financial information from prior periods, the first fiscal quarter should be given as the fiscal period focus. Values: FY, Q1, Q2, Q3, Q4, H1, H2, M9, T1, T2, T3, M8, CY.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalPeriodFocus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fiscalPeriodItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalYearFocus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This is focus fiscal year of the document report in CCYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalYearFocus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gYearItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented. If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word "Other".</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation 12B<br><br><br><br> -Number 240<br><br><br><br> -Section 12b<br><br><br><br> -Subsection 1<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCommonStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCommonStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCurrentReportingStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate "Yes" or "No" whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCurrentReportingStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFilerCategory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate whether the registrant is one of the following: (1) Large Accelerated Filer, (2) Accelerated Filer, (3) Non-accelerated Filer, (4) Smaller Reporting Company (Non-accelerated) or (5) Smaller Reporting Accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFilerCategory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:filerCategoryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation 12B<br><br><br><br> -Number 240<br><br><br><br> -Section 12b<br><br><br><br> -Subsection 1<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityVoluntaryFilers">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate "Yes" or "No" if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityVoluntaryFilers</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityWellKnownSeasonedIssuer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate "Yes" or "No" if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityWellKnownSeasonedIssuer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>44
<FILENAME>R18.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227710305488">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note B - Summary of Significant Accounting Policies (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TableTextBlock', window );"><strong>Notes Tables</strong></a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_PropertyPlantAndEquipmentUsefulLifeTableTextBlock', window );">Property, Plant, and Equipment Useful Life [Table Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT: 10pt Times New Roman, Times, Serif;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: top"> <td style="WIDTH: 34%; LAYOUT-GRID-MODE: line; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT: 10pt Times New Roman, Times, Serif">Furniture, fixtures and equipment (years)</div></td> <td style="WIDTH: 3%; LAYOUT-GRID-MODE: line; FONT-WEIGHT: bold; TEXT-ALIGN: right; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT-FAMILY: Times New Roman, Times, Serif; FONT-WEIGHT: normal">3</div></td> <td style="WIDTH: 3%; TEXT-ALIGN: center">to</td> <td style="WIDTH: 3%">7</td> <td style="WIDTH: 48%"> </td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT-FAMILY: Times New Roman, Times, Serif">Leasehold improvements</div> (years)</td> <td style="LAYOUT-GRID-MODE: line; FONT-WEIGHT: bold; TEXT-ALIGN: right; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT-FAMILY: Times New Roman, Times, Serif; FONT-WEIGHT: normal">5</div></td> <td style="TEXT-ALIGN: center">to</td> <td>15</td> <td> </td> </tr> <tr style="VERTICAL-ALIGN: top"> <td style="LAYOUT-GRID-MODE: line; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT: 10pt Times New Roman, Times, Serif">Buildings and improvements</div> (years)</td> <td style="LAYOUT-GRID-MODE: line; FONT-WEIGHT: bold; TEXT-ALIGN: right; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt"><div style="display: inline; FONT-FAMILY: Times New Roman, Times, Serif; FONT-WEIGHT: normal">18</div></td> <td style="TEXT-ALIGN: center">to</td> <td>39</td> <td> </td> </tr> </table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfEntityWideInformationRevenueFromExternalCustomersByProductsAndServicesTextBlock', window );">Revenue from External Customers by Products and Services [Table Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Three Months Ended<br />October 31,</td> <td> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 48%; TEXT-ALIGN: left">Sales – used autos</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">98,836</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">106,914</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">208,094</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">208,037</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Wholesales – third party</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">6,172</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">4,763</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,842</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">9,559</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Service contract sales</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">6,731</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">3,988</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">13,543</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">7,983</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Payment protection plan revenue</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">5,931</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">3,770</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">11,786</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">7,315</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">Total</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">117,670</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">119,435</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">245,265</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">232,894</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> </tr> </table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_PropertyPlantAndEquipmentUsefulLifeTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of physical assets schedule of useful life.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_PropertyPlantAndEquipmentUsefulLifeTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfEntityWideInformationRevenueFromExternalCustomersByProductsAndServicesTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of entity-wide revenues from external customers for each product or service or each group of similar products or services if the information is not provided as part of the reportable operating segment information.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 280<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 40<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51669610&loc=d3e9031-108599<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfEntityWideInformationRevenueFromExternalCustomersByProductsAndServicesTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>45
<FILENAME>R4.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227702521008">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Condensed Consolidated Statements of Operations (Unaudited) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">3 Months Ended</th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Oct. 31, 2014</div></th>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Oct. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenuesAbstract', window );"><strong>Revenues:</strong></a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SalesRevenueGoodsNet', window );">Sales</a></td>
<td class="nump">$ 117,670<span></span>
</td>
<td class="nump">$ 119,435<span></span>
</td>
<td class="nump">$ 245,265<span></span>
</td>
<td class="nump">$ 232,894<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles', window );">Interest and other income</a></td>
<td class="nump">15,334<span></span>
</td>
<td class="nump">14,399<span></span>
</td>
<td class="nump">30,428<span></span>
</td>
<td class="nump">28,316<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SalesRevenueNet', window );">Total revenue</a></td>
<td class="nump">133,004<span></span>
</td>
<td class="nump">133,834<span></span>
</td>
<td class="nump">275,693<span></span>
</td>
<td class="nump">261,210<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostsAndExpensesAbstract', window );"><strong>Costs and expenses:</strong></a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostOfRevenue', window );">Cost of sales, excluding depreciation shown below</a></td>
<td class="nump">71,596<span></span>
</td>
<td class="nump">68,156<span></span>
</td>
<td class="nump">146,682<span></span>
</td>
<td class="nump">133,627<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SellingGeneralAndAdministrativeExpense', window );">Selling, general and administrative</a></td>
<td class="nump">22,239<span></span>
</td>
<td class="nump">20,655<span></span>
</td>
<td class="nump">45,363<span></span>
</td>
<td class="nump">41,475<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Provision for credit losses</a></td>
<td class="nump">38,094<span></span>
</td>
<td class="nump">31,371<span></span>
</td>
<td class="nump">73,439<span></span>
</td>
<td class="nump">59,247<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
<td class="nump">792<span></span>
</td>
<td class="nump">721<span></span>
</td>
<td class="nump">1,552<span></span>
</td>
<td class="nump">1,396<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepreciationAndAmortization', window );">Depreciation and amortization</a></td>
<td class="nump">1,038<span></span>
</td>
<td class="nump">929<span></span>
</td>
<td class="nump">2,048<span></span>
</td>
<td class="nump">1,847<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnDispositionOfAssets', window );">Loss on disposal of property and equipment</a></td>
<td class="nump">19<span></span>
</td>
<td class="nump">20<span></span>
</td>
<td class="nump">19<span></span>
</td>
<td class="nump">20<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostsAndExpenses', window );">Total costs and expenses</a></td>
<td class="nump">133,778<span></span>
</td>
<td class="nump">121,852<span></span>
</td>
<td class="nump">269,103<span></span>
</td>
<td class="nump">237,612<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic', window );">Income before taxes</a></td>
<td class="num">(774)<span></span>
</td>
<td class="nump">11,982<span></span>
</td>
<td class="nump">6,590<span></span>
</td>
<td class="nump">23,598<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Provision (benefit) for income taxes</a></td>
<td class="num">(289)<span></span>
</td>
<td class="nump">4,463<span></span>
</td>
<td class="nump">2,458<span></span>
</td>
<td class="nump">8,819<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income (loss)</a></td>
<td class="num">(485)<span></span>
</td>
<td class="nump">7,519<span></span>
</td>
<td class="nump">4,132<span></span>
</td>
<td class="nump">14,779<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DistributionsOnMandatorilyRedeemableSecurities', window );">Less: Dividends on mandatorily redeemable preferred stock</a></td>
<td class="num">(10)<span></span>
</td>
<td class="num">(10)<span></span>
</td>
<td class="num">(20)<span></span>
</td>
<td class="num">(20)<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted', window );">Net income (loss) attributable to common stockholders</a></td>
<td class="num">$ (495)<span></span>
</td>
<td class="nump">$ 7,509<span></span>
</td>
<td class="nump">$ 4,112<span></span>
</td>
<td class="nump">$ 14,759<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings (loss) per share:</strong></a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic (in dollars per share)</a></td>
<td class="num">$ (0.06)<span></span>
</td>
<td class="nump">$ 0.87<span></span>
</td>
<td class="nump">$ 0.48<span></span>
</td>
<td class="nump">$ 1.70<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted (in dollars per share)</a></td>
<td class="num">$ (0.06)<span></span>
</td>
<td class="nump">$ 0.83<span></span>
</td>
<td class="nump">$ 0.46<span></span>
</td>
<td class="nump">$ 1.62<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract', window );"><strong>Weighted average number of shares used in calculation:</strong></a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Basic (in shares)</a></td>
<td class="nump">8,471,918<span></span>
</td>
<td class="nump">8,604,003<span></span>
</td>
<td class="nump">8,492,679<span></span>
</td>
<td class="nump">8,660,173<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Diluted (in shares)</a></td>
<td class="nump">8,471,918<span></span>
</td>
<td class="nump">9,022,437<span></span>
</td>
<td class="nump">8,853,621<span></span>
</td>
<td class="nump">9,082,750<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CostOfRevenue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate cost of goods produced and sold and services rendered during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.2)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CostOfRevenue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CostsAndExpenses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total costs of sales and operating expenses for the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CostsAndExpenses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CostsAndExpensesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CostsAndExpensesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepreciationAndAmortization">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The current period expense charged against earnings on long-lived, physical assets not used in production, and which are not intended for resale, to allocate or recognize the cost of such assets over their useful lives; or to record the reduction in book value of an intangible asset over the benefit period of such asset; or to reflect consumption during the period of an asset that is not used in production.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepreciationAndAmortization</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DistributionsOnMandatorilyRedeemableSecurities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of distributions during the period on mandatorily redeemable securities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 480<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6402702&loc=d3e21951-110878<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DistributionsOnMandatorilyRedeemableSecurities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.21)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 52<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=32703322&loc=d3e4984-109258<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.19)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.23)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 18<br><br><br><br> -Article 7<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 20<br><br><br><br> -Article 5<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 21<br><br><br><br> -Article 9<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareBasic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.21)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 18<br><br><br><br> -Article 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 20<br><br><br><br> -Article 5<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 21<br><br><br><br> -Article 9<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_EarningsPerShareDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:perShareItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnDispositionOfAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) on sale or disposal of property, plant and equipment assets, excluding oil and gas property and timber property.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 205<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51717284&loc=d3e1361-107760<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51719941&loc=d3e2941-110230<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnDispositionOfAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The portion of earnings or loss from continuing operations before income taxes that is attributable to domestic operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 740<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 9<br><br><br><br> -Subparagraph (a),(b)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.4-08.(h))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Income Tax Expense (or Benefit)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6515339<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Interest and fee income generated by automobile, marine, and other vehicle loans made to individuals.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestAndFeeIncomeLoansConsumerInstallmentAutomobilesMarineAndOtherVehicles</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of the cost of borrowed funds accounted for as interest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 835<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6450988&loc=d3e26243-108391<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.9)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_InterestExpense</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Net Income or Loss Available to Common Stockholders plus adjustments resulting from the assumption that dilutive convertible securities were converted, options or warrants were exercised, or that other shares were issued upon the satisfaction of certain conditions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 16<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1505-109256<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1377-109256<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 19<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51664549&loc=SL4569616-111683<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 4K<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=35736750&loc=SL4591552-111686<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1A<br><br><br><br> -Subparagraph (a),(c)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=18733093&loc=SL4573702-111684<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 4J<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=35736750&loc=SL4591551-111686<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLossesExpensed">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense related to loss from loan transactions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.11)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProvisionForLoanLossesExpensed</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RevenuesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RevenuesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Aggregate revenue during the period from the sale of goods in the normal course of business, after deducting returns, allowances and discounts.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.1(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688<br><br><br><br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Total revenue from sale of goods and services rendered during the reporting period, in the normal course of business, reduced by sales returns and allowances, and sales discounts.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate total costs related to selling a firm's product and services, as well as all other general and administrative expenses. Direct selling expenses (for example, credit, warranty, and advertising) are expenses that can be directly linked to the sale of specific products. Indirect selling expenses are expenses that cannot be directly linked to the sale of specific products, for example telephone expenses, Internet, and postal charges. General and administrative expenses include salaries of non-sales personnel, rent, utilities, communication, etc.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 330<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 30<br><br><br><br> -Paragraph 8<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51677171&loc=d3e3636-108311<br><br><br><br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 16<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1505-109256<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257<br><br><br><br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 10<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1448-109256<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Weighted-Average Number of Common Shares Outstanding<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6528421<br><br><br><br></p></div>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227957251088">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note G - Fair Value Measurements<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureTextBlockAbstract', window );"><strong>Notes to Financial Statements</strong></a></td>
<td class="text"> <span></span>
</td>
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<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresTextBlock', window );">Fair Value Disclosures [Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;">G – Fair Value Measurements</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;"> </div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The table below summarizes information about the fair value of financial instruments included in the Company’s financial statements at October 31, 2015 and April 30, 2015:</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">October 31, 2015</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">April 30, 2015</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: justify">(In thousands)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Carrying<br />Value</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Fair<br />Value</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Carrying<br />Value</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Fair<br />Value</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 48%; TEXT-ALIGN: justify">Cash</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">1,386</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">1,386</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">790</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">790</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Finance receivables, net</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">327,229</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">263,012</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">324,144</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">256,681</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Accounts payable</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,841</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,841</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,022</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,022</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Revolving credit facilities</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">104,424</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">104,424</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">102,685</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">102,685</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9.35pt"></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;"> </div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px 0px 12pt; TEXT-INDENT: 9.35pt">Because no market exists for certain of the Company’s financial instruments, fair value estimates are based on judgments and estimates regarding yield expectations of investors, credit risk and other risk characteristics, including interest rate and prepayment risk. These estimates are subjective in nature and involve uncertainties and matters of judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect these estimates. The methodology and assumptions utilized to estimate the fair value of the Company’s financial instruments are as follows:</div> <table style="TEXT-INDENT: 0;FONT-SIZE: 10pt; WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: top"> <td style="WIDTH: 8%"> </td> <td style="TEXT-DECORATION: underline; WIDTH: 24%; TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt"><div style="display: inline; text-decoration: underline;">Financial Instrument</div></div></td> <td style="TEXT-DECORATION: underline; WIDTH: 59%; TEXT-ALIGN: center; TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt"><div style="display: inline; text-decoration: underline;">Valuation Methodology</div></div></td> <td style="WIDTH: 9%"> </td> </tr> <tr style="VERTICAL-ALIGN: top"> <td> </td> <td style="TEXT-INDENT: 0in"> </td> <td style="TEXT-INDENT: 0in"> </td> <td> </td> </tr> <tr style="VERTICAL-ALIGN: top"> <td> </td> <td style="TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt">Cash</div></td> <td style="TEXT-ALIGN: justify; TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt">The carrying amount is considered to be a reasonable estimate of fair value due to the short-term nature of the financial instrument.</div></td> <td> </td> </tr> <tr style="VERTICAL-ALIGN: top"> <td> </td> <td style="TEXT-INDENT: 0in"> </td> <td style="TEXT-INDENT: 0in"> </td> <td> </td> </tr> <tr style="VERTICAL-ALIGN: top"> <td> </td> <td style="TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt">Finance receivables, net</div></td> <td style="TEXT-ALIGN: justify; TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt">The Company estimated the fair value of its receivables at what a third party purchaser might be willing to pay. The Company has had discussions with third parties and has bought and sold portfolios, and had a third party appraisal in November 2012 that indicated a range of 35% to 40% discount to face would be a reasonable fair value in a negotiated third party transaction. The sale of finance receivables from Car-Mart of Arkansas to Colonial is made at a 38.5% discount. For financial reporting purposes these sale transactions are eliminated. Since the Company does not intend to offer the receivables for sale to an outside third party, the expectation is that the net book value at October 31, 2015, will be ultimately collected. By collecting the accounts internally the Company expects to realize more than a third party purchaser would expect to collect with a servicing requirement and a profit margin included.</div></td> <td> </td> </tr> <tr style="VERTICAL-ALIGN: top"> <td> </td> <td style="TEXT-INDENT: 0in"> </td> <td style="TEXT-ALIGN: justify; TEXT-INDENT: 0in"> </td> <td> </td> </tr> <tr style="VERTICAL-ALIGN: top"> <td> </td> <td style="TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt">Accounts payable</div></td> <td style="TEXT-ALIGN: justify; TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt">The carrying amount is considered to be a reasonable estimate of fair value due to the short-term nature of the financial instrument.</div></td> <td> </td> </tr> <tr style="VERTICAL-ALIGN: top"> <td> </td> <td style="TEXT-INDENT: 0in"> </td> <td style="TEXT-INDENT: 0in"> </td> <td> </td> </tr> <tr style="VERTICAL-ALIGN: top"> <td> </td> <td style="TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt">Revolving credit facilities</div></td> <td style="TEXT-ALIGN: justify; TEXT-INDENT: 0in"><div style="display: inline; FONT-SIZE: 10pt">The fair value approximates carrying value due to the variable interest rates charged on the borrowings, which reprice frequently.</div></td> <td> </td> </tr> </table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.</p></div>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227719493312">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note F - Debt Facilities<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureTextBlockAbstract', window );"><strong>Notes to Financial Statements</strong></a></td>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtDisclosureTextBlock', window );">Debt Disclosure [Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;">F – Debt Facilities</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px; TEXT-INDENT: 9pt">A summary of revolving credit facilities is as follows:</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px; TEXT-INDENT: 9pt"> </div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px; TEXT-INDENT: 9pt"></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; FONT: 10pt Times New Roman, Times, Serif; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic; TEXT-ALIGN: left">(In thousands)</td> <td style="BORDER-BOTTOM: black 1pt solid"> </td> <td style="BORDER-BOTTOM: black 1pt solid" colspan="3"> </td> <td style="BORDER-BOTTOM: black 1pt solid"> </td> <td style="BORDER-BOTTOM: black 1pt solid"> </td> <td style="BORDER-BOTTOM: black 1pt solid"> </td> <td style="BORDER-BOTTOM: black 1pt solid"> </td> <td style="BORDER-BOTTOM: black 1pt solid"> </td> <td style="BORDER-BOTTOM: black 1pt solid" colspan="3"> </td> <td style="BORDER-BOTTOM: black 1pt solid"> </td> <td style="BORDER-BOTTOM: black 1pt solid" colspan="3"> </td> </tr> <tr style="BACKGROUND-COLOR: white"> <td style="WIDTH: 45%; PADDING-BOTTOM: 1pt; TEXT-ALIGN: center"> </td> <td style="WIDTH: 1%; PADDING-BOTTOM: 1pt"> </td> <td style="WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="WIDTH: 8%; TEXT-ALIGN: center">Aggregate</td> <td style="WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="WIDTH: 1%; PADDING-BOTTOM: 1pt"> </td> <td style="WIDTH: 10%; PADDING-BOTTOM: 1pt; TEXT-ALIGN: center">Interest </td> <td style="PADDING-BOTTOM: 1pt"> </td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left"> </td> <td style="PADDING-BOTTOM: 1pt"> </td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">Balance at</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: center"> </td> <td style="PADDING-BOTTOM: 1pt"> </td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left"> </td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center">Amount</td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left"> </td> <td style="PADDING-BOTTOM: 1pt"> </td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center">Rate</td> <td style="PADDING-BOTTOM: 1pt"> </td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center">Maturity</td> <td style="PADDING-BOTTOM: 1pt"> </td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="2" nowrap="nowrap">October 31, 2015</td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left"> </td> <td style="PADDING-BOTTOM: 1pt"> </td> <td style="BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="2" nowrap="nowrap">April 30, 2015</td> <td style="PADDING-BOTTOM: 1pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="TEXT-ALIGN: left">Revolving credit facilities</td> <td> </td> <td style="TEXT-ALIGN: left">$</td> <td style="TEXT-ALIGN: right">145,000</td> <td style="TEXT-ALIGN: left"> </td> <td> </td> <td nowrap="nowrap">LIBOR + 2.375%</td> <td> </td> <td style="TEXT-ALIGN: center" nowrap="nowrap">October 8, 2017</td> <td> </td> <td style="TEXT-ALIGN: left">$</td> <td style="TEXT-ALIGN: right">104,424</td> <td style="TEXT-ALIGN: left"> </td> <td> </td> <td style="TEXT-ALIGN: left">$</td> <td style="TEXT-ALIGN: right">102,685</td> <td style="TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="TEXT-ALIGN: left"> </td> <td> </td> <td style="TEXT-ALIGN: left"> </td> <td style="TEXT-ALIGN: center" colspan="13">(2.57% at October 31, 2015 and 2.56% at April 30, 2015)</td> <td style="TEXT-ALIGN: left"> </td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px; TEXT-INDENT: 9pt"> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; MARGIN: 0px; TEXT-INDENT: 9pt"></div> <div style=" FONT-SIZE: 10pt; COLOR: red; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">On March 9, 2012, the Company entered into an Amended and Restated Loan and Security Agreement (“Credit Facilities”) with a group of lenders providing revolving credit facilities totaling $125 million. The Credit Facilities were amended on September 30, 2012, February 4, 2013, June 24, 2013, February 13, 2014 and October 8, 2014, respectively. The first amendment to the Credit Facilities increased the total revolving commitment to $145 million. The second amendment amended the definition of eligible vehicle contracts to include contracts with 36-42 month terms. The third amendment extended the term to June 24, 2016, provided the option to request revolver commitment increases for up to an additional $55 million and provided for a 0.25% decrease in each of the three pricing tiers for determining the applicable interest rate. The fourth amendment amended the structure of the debt covenants as related to the application of the fixed charge coverage ratio calculation. As amended, the fixed charge coverage ratio calculation will be required only if availability, as defined, under the revolving credit facilities is less than certain specified thresholds. The fourth amendment also increased the allowable capital expenditures to $10 million in the aggregate during any fiscal year and allows for the sale of certain vehicle contracts to third parties.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The fifth amendment extended the term of the Credit Facilities to October 8, 2017, added a new pricing tier for determining the applicable interest rate, and provided for a 0.125% increase in each of the three existing pricing tiers. The fifth amendment also amended one of two alternative distribution limitations related to repurchases of the Company’s stock. With respect to such limitation, the amendment (i) reset the $40 million aggregate limit on repurchases beginning with October 8, 2014, (ii) redefined the aggregate amount of repurchases to be net of proceeds received from the exercise of stock options, and (iii) changed the requirement that the sum of borrowing bases combined minus the principal balances of all revolver loans after giving effect to such repurchases be equal to or greater than 30% of the sum of the borrowing bases.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The revolving credit facilities are collateralized primarily by finance receivables and inventory, are cross collateralized and contain a guarantee by the Company. Interest is payable monthly under the revolving credit facilities. The Credit Facilities provide for four pricing tiers for determining the applicable interest rate, based on the Company’s consolidated leverage ratio for the preceding fiscal quarter. The current applicable interest rate under the Credit Facilities is generally LIBOR plus 2.375%. The Credit Facilities contain various reporting and performance covenants including (i) maintenance of certain financial ratios and tests, (ii) limitations on borrowings from other sources, (iii) restrictions on certain operating activities and (iv) restrictions on the payment of dividends or distributions.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The distribution limitations under the Credit Facilities allow the Company to repurchase the Company’s stock so long as: either (a) the aggregate amount of such repurchases does not exceed $40 million beginning October 8, 2014 and the sum of borrowing bases combined minus the principal balances of all revolver loans after giving effect to such repurchases is equal to or greater than 30% of the sum of the borrowing bases, or (b) the aggregate amount of such repurchases does not exceed 75% of the consolidated net income of the Company measured on a trailing twelve month basis; provided that immediately before and after giving effect to the stock repurchases, at least 12.5% of the aggregate funds committed under the credit facilities remain available.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company was in compliance with the covenants at October 31, 2015. The amount available to be drawn under the credit facilities is a function of eligible finance receivables and inventory. Based upon eligible finance receivables and inventory at October 31, 2015, the Company had additional availability of approximately $38.1 million under the revolving credit facilities.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company recognized approximately $96,000 and $93,000 of amortization for the six months ended October 31, 2015 and 2014, respectively, related to debt issuance costs. The amortization is reflected as interest expense in the Company’s Consolidated Statements of Operations.</div></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21475-112644<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19,20,22)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227957830928">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note G - Fair Value Measurements (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TableTextBlock', window );"><strong>Notes Tables</strong></a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByBalanceSheetGroupingTextBlock', window );">Fair Value, by Balance Sheet Grouping [Table Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">October 31, 2015</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">April 30, 2015</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: justify">(In thousands)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Carrying<br />Value</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Fair<br />Value</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Carrying<br />Value</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Fair<br />Value</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 48%; TEXT-ALIGN: justify">Cash</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">1,386</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">1,386</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">790</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">790</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Finance receivables, net</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">327,229</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">263,012</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">324,144</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">256,681</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Accounts payable</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,841</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,841</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,022</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,022</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Revolving credit facilities</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">104,424</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">104,424</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">102,685</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">102,685</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> </table></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 825<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 12<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13476-108611<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 820<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19207-110258<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 825<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13467-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 825<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6447952&loc=d3e13220-108610<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 825<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 30<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14172-108612<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 825<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 10<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49121117&loc=d3e13433-108611<br><br><br><br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227702366416">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note C - Finance Receivables, Net (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TableTextBlock', window );"><strong>Notes Tables</strong></a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock', window );">Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">April 30, 2015</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Gross contract amount</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">488,424</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">477,305</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Less unearned finance charges</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(60,761</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(59,937</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left; TEXT-INDENT: 40pt">Principal balance</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">427,663</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">417,368</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Less allowance for credit losses</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(100,434</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(93,224</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt; TEXT-ALIGN: left">Finance receivables, net</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">327,229</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">324,144</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> </tr> </table></div><span></span>
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<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_ChangeInFinanceReceivablesNetTableTextBlock', window );">Change In Finance Receivables Net [Table Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%">Balance at beginning of period</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">324,144</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">293,299</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Finance receivable originations</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">223,266</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">222,024</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Finance receivable collections</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(117,593</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(111,000</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Provision for credit losses</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(73,439</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(59,247</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Losses on claims for payment protection plan</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(6,095</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">(4,764</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Inventory acquired in repossession and payment protection plan claims</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(23,054</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(21,272</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Balance at end of period</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">327,229</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">319,040</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> </tr> </table></div><span></span>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock', window );">Allowance for Credit Losses on Financing Receivables [Table Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%">Balance at beginning of period</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">93,224</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">86,033</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Provision for credit losses</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">73,439</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">59,247</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Charge-offs, net of recovered collateral</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(66,229</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(52,820</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Balance at end of period</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">100,434</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">92,460</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> </tr> </table></div><span></span>
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<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PastDueFinancingReceivablesTableTextBlock', window );">Past Due Financing Receivables [Table Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(Dollars in thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">October 31, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">April 30, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="7">October 31, 2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> <br /> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> <br /> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Principal<br />Balance</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> <br /> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Percent of<br />Portfolio</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> <br /> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Principal<br />Balance</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> <br /> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Percent of<br />Portfolio</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> <br /> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Principal<br />Balance</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> <br /> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Percent of<br />Portfolio</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 22%">Current</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">365,346</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">85.44</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">329,329</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">78.91</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">341,555</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">83.00</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">3 - 29 days past due</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">47,406</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11.08</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">64,004</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">15.33</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">51,990</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">12.63</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">30 - 60 days past due</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">10,320</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2.41</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">12,777</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">3.06</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">12,002</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2.92</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">61 - 90 days past due</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,914</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">0.68</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">8,463</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2.03</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">3,986</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">0.97</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">> 90 days past due</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">1,677</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">0.39</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">2,795</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">0.67</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">1,967</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">0.48</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt; TEXT-INDENT: 20pt">Total</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">427,663</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">100.00</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">417,368</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">100.00</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">411,500</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">100.00</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">%</td> </tr> </table></div><span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock', window );">Financing Receivable Credit Quality Indicators [Table Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Principal collected as a percent of average finance receivables</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">27.7</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">28.2</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Average down-payment percentage</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">6.5</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">6.8</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; FONT-WEIGHT: normal; TEXT-ALIGN: left">Average originating contract term <div style="display: inline; FONT-SIZE: 10pt; FONT-WEIGHT: normal"><div style="display: inline; font-style: italic;">(in months</div><div style="display: inline; FONT-STYLE: normal">)</div></div></td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">28.4</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">27.4</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> </table></div><span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivableContractTermsTableTextBlock', window );">Financing Receivable Contract Terms [Table Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2015</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; FONT-WEIGHT: normal; TEXT-ALIGN: left">Portfolio weighted average contract term, including modifications <div style="display: inline; FONT-SIZE: 10pt; FONT-WEIGHT: normal"><div style="display: inline; font-style: italic;">(in months</div><div style="display: inline; FONT-STYLE: normal">)</div></div></td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">30.6</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">29.6</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> </table></div><span></span>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the change in finance receivables over specified time period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Financing receivable contract terms.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 11B<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 19<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 29<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953659-111524<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 7<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49124121&loc=d3e5111-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 7A<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953401-111524<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.3,4)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227719669360">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note J - Commitments and Contingencies<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureTextBlockAbstract', window );"><strong>Notes to Financial Statements</strong></a></td>
<td class="text"> <span></span>
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<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;">J – Commitments and Contingencies</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;"> </div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The Company has a standby letter of credit relating to an insurance policy totaling $1 million at October 31, 2015.</div></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for commitments and contingencies.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 825<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6449706&loc=d3e16207-108621<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 460<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 8<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51674963&loc=d3e12565-110249<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 450<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=25496072&loc=d3e14435-108349<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.25)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 440<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6394976&loc=d3e25287-109308<br><br><br><br></p></div>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227719621152">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note H - Weighted Average Shares Outstanding<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
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<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureTextBlockAbstract', window );"><strong>Notes to Financial Statements</strong></a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_WeightedAverageSharesOutstandingTextBlock', window );">Weighted Average Shares Outstanding [Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;">H – Weighted Average Shares Outstanding</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">Weighted average shares of common stock outstanding used in the calculation of basic and diluted earnings per share were as follows:</div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"> </div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Three Months Ended<br />October 31,</td> <td> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 48%">Weighted average shares outstanding-basic</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">8,471,918</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">8,604,003</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">8,492,679</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">8,660,173</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Dilutive options and restricted stock</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">418,434</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">360,942</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">422,577</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">Weighted average shares outstanding-diluted</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">8,471,918</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">9,022,437</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">8,853,621</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">9,082,750</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Antidilutive securities not included:</td> <td> </td> <td style="TEXT-ALIGN: left"> </td> <td style="TEXT-ALIGN: right"> </td> <td style="TEXT-ALIGN: left"> </td> <td> </td> <td style="TEXT-ALIGN: left"> </td> <td style="TEXT-ALIGN: right"> </td> <td style="TEXT-ALIGN: left"> </td> <td> </td> <td style="TEXT-ALIGN: left"> </td> <td style="TEXT-ALIGN: right"> </td> <td style="TEXT-ALIGN: left"> </td> <td> </td> <td style="TEXT-ALIGN: left"> </td> <td style="TEXT-ALIGN: right"> </td> <td style="TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-INDENT: 10pt">Options</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">251,000</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">89,000</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">254,500</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">79,500</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Restricted stock</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">9,500</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">4,750</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;"> </div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">For the three months ended October 31, 2015, additional employee stock options to purchase 325,729 shares of common stock were excluded from the computation of diluted net loss per share as their effect would be anti-dilutive.</div></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Disclosure of weighted average shares outstanding.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227719606944">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note I - Stock Based Compensation<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
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<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
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<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;">I – Stock-Based Compensation</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;"> </div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN-LEFT: 0px; MARGIN-RIGHT: 0px; TEXT-INDENT: 9.35pt">The Company has stock-based compensation plans available to grant non-qualified stock options, incentive stock options and restricted stock to employees, directors and certain advisors of the Company. The stock-based compensation plans being utilized at October 31, 2015 are the Amended and Restated Stock Option Plan and the Amended and Restated Stock Incentive Plan. The Company recorded total stock-based compensation expense for all plans of approximately $949,000 ($595,000 after tax effects) and $412,000 ($258,000 after tax effects) for the six months ended October 31, 2015 and 2014, respectively. Tax benefits were recognized for these costs at the Company’s overall effective tax rate.</div> <div style=" FONT-SIZE: 10pt; MARGIN-LEFT: 0px; MARGIN-RIGHT: 0px"><div style="display: inline; font-style: italic;">Stock Options</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 0.5in">The Company has options outstanding under two stock option plans approved by the shareholders, the 1997 Stock Option Plan (“1997 Plan”) and the Amended and Restated Stock Option Plan, formerly the 2007 Stock Option Plan (the “2007 Plan”). While previously granted options remain outstanding, no additional option grants may be made under the 1997 Plan. The shareholders of the Company approved the Amended and Restated Stock Option Plan (the “Restated Option Plan”) on August 5, 2015. The Restated Option Plan is an amendment and restatement of the 2007 Plan. The amendment and restatement extends the term of the Restated Option Plan to June 10, 2025 and increases the number of shares of common stock reserved for issuance under the plan by an additional 300,000 shares to 1,800,000 shares. The Restated Option Plan provides for the grant of options to purchase shares of the Company’s common stock to employees, directors and certain advisors of the Company at a price not less than the fair market value of the stock on the date of grant and for periods not to exceed ten years. Options granted under the Company’s stock option plans expire in the calendar years 2016 through 2025.</div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN-LEFT: 0px; MARGIN-RIGHT: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: center"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">1997 Plan</td> <td style="PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">Restated <br />Option Plan</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Minimum exercise price as a percentage of fair market value at date of grant</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: center">100%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: center">100%</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Last expiration date for outstanding options</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" nowrap="nowrap">July 2, 2017</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" nowrap="nowrap">August 5, 2025</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Shares available for grant at October 31, 2015</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center">322,250</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN-LEFT: 0px; MARGIN-RIGHT: 0px; TEXT-INDENT: 9.35pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">The fair value of options granted is estimated on the date of grant using the Black-Scholes option pricing model based on the assumptions in the table below.</div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-weight: bold;"> </div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: justify">Expected term (years)</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">5.5</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">5.3</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Risk-free interest rate</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1.58</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1.65</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Volatility</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">34</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">35</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">%</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: justify">Dividend yield</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">-</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">The expected term of the options is based on evaluations of historical and expected future employee exercise behavior. The risk-free interest rate is based on the U.S. Treasury rates at the date of grant with maturity dates approximately equal to the expected life at the grant date. Volatility is based on historical volatility of the Company’s common stock. The Company has not historically issued any dividends and does not expect to do so in the foreseeable future.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">There were 298,750 and 44,000 options granted during the six months ended October 31, 2015 and 2014, respectively. The grant-date fair value of options granted during the six months ended October 31, 2015 and 2014 was $5.2 million and $595,000, respectively. The options were granted at fair market value on the date of grant.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">Stock option compensation expense on a pre-tax basis was $887,000 ($556,000 after tax effects) and $353,000 ($221,000 after tax effects) for the six months ended October 31, 2015 and 2014, respectively. As of October 31, 2015, the Company had approximately $4.1 million of total unrecognized compensation cost related to unvested options that are expected to vest. These unvested outstanding options have a weighted-average remaining vesting period of 4.14 years.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">In May 2015, key employees of the Company were granted 104,250 performance based stock options with a five-year performance period ending April 30, 2020. An additional 40,000 such options were granted to key employees of the Company in August 2015. Tiered vesting of these units is based solely on comparing the Company’s net income over the specified performance period to net income at April 30, 2015. As of October 31, 2015, the Company had $1.2 million in unrecognized compensation expense related to 68,750 of these options that are not currently expected to vest.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">The aggregate intrinsic value of outstanding options at October 31, 2015 and 2014 was $11.2 million and $24.8 million, respectively.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">The Company had the following options exercised for the periods indicated. The impact of these cash receipts is included in financing activities in the accompanying Consolidated Statements of Cash Flows.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(Dollars in thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Options exercised</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">17,750</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">88,750</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Cash received from option exercises</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">245</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1,546</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt">Intrinsic value of options exercised</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">690</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,129</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> </table> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"></div></div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">As of October 31, 2015 there were 917,000 vested and exercisable stock options outstanding with an aggregate intrinsic value of $11.2 million and a weighted average remaining contractual life of 3.90 years and a weighted average exercise price of $23.17.</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; FONT-STYLE: italic; TEXT-ALIGN: justify; MARGIN: 0px">Stock Incentive Plan</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">The shareholders of the Company approved an amendment to the Company’s Stock Incentive Plan on October 14, 2009. The amendment increased from 150,000 to 350,000 the number of shares of common stock that may be issued under the Stock Incentive Plan. The shareholders of the Company approved the Amended and Restated Stock Incentive Plan on August 5, 2015, which extended the term of the Stock Incentive Plan to June 10, 2025. For shares issued under the Stock Incentive Plan, the associated compensation expense is generally recognized equally over the vesting periods established at the award date and is subject to the employee’s continued employment by the Company.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 0.5in"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt"></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9.35pt">There were no restricted shares granted during the first six months of fiscal 2016 or fiscal 2015. A total of 177,527 shares remained available for award at October 31, 2015. There were 9,500 unvested shares at October 31, 2015 with a weighted average grant date fair value of $52.10.</div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 0.5in"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">The Company recorded compensation cost of approximately $50,000 ($31,000 after tax effects) and $45,000 ($28,200 after tax effects) related to the Stock Incentive Plan during the six months ended October 31, 2015 and 2014, respectively. As of October 31, 2015, the Company had approximately $445,000<div style="display: inline; COLOR: #ff9900"> </div>of total unrecognized compensation cost related to unvested awards granted under the Stock Incentive Plan, which the Company expects to recognize over a weighted-average remaining period of 4.5 years.</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px; TEXT-INDENT: 0.5in"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">There were no modifications to any of the Company’s outstanding share-based payment awards during fiscal 2015 or during the first six months of fiscal 2016.</div></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for compensation-related costs for equity-based compensation, which may include disclosure of policies, compensation plan details, allocation of equity compensation, incentive distributions, equity-based arrangements to obtain goods and services, deferred compensation arrangements, employee stock ownership plan details and employee stock purchase plan details.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 40<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6418621&loc=d3e17540-113929<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 50<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51659978&loc=d3e25284-112666<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5047-113901<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5444-113901<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 14<br><br><br><br></p></div>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227719577392">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note K - Supplemental Cash Flow Information<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureTextBlockAbstract', window );"><strong>Notes to Financial Statements</strong></a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashFlowSupplementalDisclosuresTextBlock', window );">Cash Flow, Supplemental Disclosures [Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;">K - Supplemental Cash Flow Information</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px; TEXT-INDENT: 9pt">Supplemental cash flow disclosures are as follows:</div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"> </div></div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center"> </td> <td> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(in thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Supplemental disclosures:</td> <td> </td> <td style="TEXT-ALIGN: left"> </td> <td style="TEXT-ALIGN: right"> </td> <td style="TEXT-ALIGN: left"> </td> <td> </td> <td style="TEXT-ALIGN: left"> </td> <td style="TEXT-ALIGN: right"> </td> <td style="TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Interest paid</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">1,782</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">1,376</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Income taxes paid, net</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,990</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">5,238</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Non-cash transactions:</td> <td> </td> <td style="TEXT-ALIGN: left"> </td> <td style="TEXT-ALIGN: right"> </td> <td style="TEXT-ALIGN: left"> </td> <td> </td> <td style="TEXT-ALIGN: left"> </td> <td style="TEXT-ALIGN: right"> </td> <td style="TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Inventory acquired in repossession and payment protection plan claims</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">23,054</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">21,272</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> </table> </div></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashFlowSupplementalDisclosuresTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for supplemental cash flow activities, including cash, noncash, and part noncash transactions, for the period. Noncash is defined as information about all investing and financing activities of an enterprise during a period that affect recognized assets or liabilities but that do not result in cash receipts or cash payments in the period. "Part noncash" refers to that portion of the transaction not resulting in cash receipts or cash payments in the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4313-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4304-108586<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 5<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4332-108586<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashFlowSupplementalDisclosuresTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DisclosureTextBlockAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DisclosureTextBlockAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
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<SEQUENCE>54
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227702592304">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note C - Changes in the Finance Receivables Allowance for Credit Losses (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Oct. 31, 2014</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at beginning of period</a></td>
<td class="nump">$ 93,224<span></span>
</td>
<td class="nump">$ 86,033<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_ProvisionForCreditLosses', window );">Provision for credit losses</a></td>
<td class="nump">73,439<span></span>
</td>
<td class="nump">59,247<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FinancingReceivableAllowanceForCreditLossesWriteoffsNetOfRecoveries', window );">Charge-offs, net of recovered collateral</a></td>
<td class="num">(66,229)<span></span>
</td>
<td class="num">(52,820)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLosses', window );">Balance at end of period</a></td>
<td class="nump">$ 100,434<span></span>
</td>
<td class="nump">$ 92,460<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FinancingReceivableAllowanceForCreditLossesWriteoffsNetOfRecoveries">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of direct write-downs of financing receivables charged against the allowance, net of recoveries.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FinancingReceivableAllowanceForCreditLossesWriteoffsNetOfRecoveries</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_ProvisionForCreditLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents provision for credit losses.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_ProvisionForCreditLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A valuation allowance for financing receivables that are expected to be uncollectible.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 11B<br><br><br><br> -Subparagraph (c)(1)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953423-111524<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FinancingReceivableAllowanceForCreditLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
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<SEQUENCE>55
<FILENAME>R21.htm
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<TEXT>
<html>
<head>
<title></title>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227719669360">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note E - Accrued Liabilities (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TableTextBlock', window );"><strong>Notes Tables</strong></a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAccruedLiabilitiesTableTextBlock', window );">Schedule of Accrued Liabilities [Table Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">April 30, 2015</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Employee compensation</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">3,783</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">3,954</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Cash overdrafts (see Note B)</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1,227</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1,587</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Deferred sales tax (see Note B)</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,773</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,762</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">Other</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">4,521</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">4,405</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">Total</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">12,304</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">12,708</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> </tr> </table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfAccruedLiabilitiesTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of the components of accrued liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfAccruedLiabilitiesTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
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<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
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<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>56
<FILENAME>R26.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227702435216">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note K - Supplemental Cash Flow Information (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TableTextBlock', window );"><strong>Notes Tables</strong></a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock', window );">Schedule of Cash Flow, Supplemental Disclosures [Table Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center"> </td> <td> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: center" colspan="7">Six Months Ended<br />October 31,</td> </tr> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(in thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">2014</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Supplemental disclosures:</td> <td> </td> <td style="TEXT-ALIGN: left"> </td> <td style="TEXT-ALIGN: right"> </td> <td style="TEXT-ALIGN: left"> </td> <td> </td> <td style="TEXT-ALIGN: left"> </td> <td style="TEXT-ALIGN: right"> </td> <td style="TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Interest paid</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">1,782</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">1,376</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Income taxes paid, net</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,990</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">5,238</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Non-cash transactions:</td> <td> </td> <td style="TEXT-ALIGN: left"> </td> <td style="TEXT-ALIGN: right"> </td> <td style="TEXT-ALIGN: left"> </td> <td> </td> <td style="TEXT-ALIGN: left"> </td> <td style="TEXT-ALIGN: right"> </td> <td style="TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left; TEXT-INDENT: 10pt">Inventory acquired in repossession and payment protection plan claims</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">23,054</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">21,272</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> </table></div><span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of supplemental cash flow information for the periods presented.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ScheduleOfCashFlowSupplementalDisclosuresTableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>nonnum:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TableTextBlock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_TableTextBlock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>57
<FILENAME>R49.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227707706864">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note J - Commitments and Contingencies (Details Textual)<br> $ in Millions</strong></div></th>
<th class="th">
<div>Oct. 31, 2015 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LettersOfCreditOutstandingAmount', window );">Letters of Credit Outstanding, Amount</a></td>
<td class="nump">$ 1<span></span>
</td>
</tr>
</table>
<div style="display: none;"><table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LettersOfCreditOutstandingAmount">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total amount of the contingent obligation under letters of credit outstanding as of the reporting date.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_LettersOfCreditOutstandingAmount</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table></div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>58
<FILENAME>R41.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227720249520">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note G - Fair Value Measurements (Details Textual)<br></strong></div></th>
<th class="th" colspan="1">1 Months Ended</th>
</tr>
<tr><th class="th"><div>Nov. 30, 2012</div></th></tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MinimumMember', window );">Minimum [Member]</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueInputsDiscountRate', window );">Fair Value Inputs, Discount Rate</a></td>
<td class="nump">35.00%<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RangeAxis=us-gaap_MaximumMember', window );">Maximum [Member]</a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueInputsDiscountRate', window );">Fair Value Inputs, Discount Rate</a></td>
<td class="nump">40.00%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_FairValueInputsDiscountRateIntercompanyTransactions', window );">Fair Value Inputs, Discount Rate, Intercompany Transactions</a></td>
<td class="nump">38.50%<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_FairValueInputsDiscountRateIntercompanyTransactions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Interest rate used to find the present value of an amount to be paid or received in the future for intercompany transactions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_FairValueInputsDiscountRateIntercompanyTransactions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueInputsDiscountRate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Interest rate used to find the present value of an amount to be paid or received in the future as an input to measure fair value. For example, but not limited to, weighted average cost of capital (WACC), cost of capital, cost of equity and cost of debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 820<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (bbb)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19207-110258<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_FairValueInputsDiscountRate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>num:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MinimumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MinimumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RangeAxis=us-gaap_MaximumMember">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RangeAxis=us-gaap_MaximumMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>59
<FILENAME>R5.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227704526112">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Condensed Consolidated Statements of Cash Flows (Unaudited) - USD ($)<br></strong></div></th>
<th class="th" colspan="2">6 Months Ended</th>
</tr>
<tr>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Oct. 31, 2014</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProductOrServiceAxis=crmt_PaymentProtectionPlanMember', window );">Payment Protection Plan [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract', window );"><strong>Change in operating assets and liabilities:</strong></a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeferredRevenue', window );">Increase (Decrease) in Deferred Revenue</a></td>
<td class="nump">$ 409,000<span></span>
</td>
<td class="nump">$ 1,143,000<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProductOrServiceAxis=crmt_ServiceContractMember', window );">Service Contract [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract', window );"><strong>Change in operating assets and liabilities:</strong></a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeferredRevenue', window );">Increase (Decrease) in Deferred Revenue</a></td>
<td class="nump">281,000<span></span>
</td>
<td class="nump">4,401,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProfitLoss', window );">Net income</a></td>
<td class="nump">4,132,000<span></span>
</td>
<td class="nump">14,779,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Provision for credit losses</a></td>
<td class="nump">73,439,000<span></span>
</td>
<td class="nump">59,247,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_PaymentProtectionPlanLosses', window );">Losses on claims for payment protection plan</a></td>
<td class="nump">6,095,000<span></span>
</td>
<td class="nump">4,764,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepreciationDepletionAndAmortization', window );">Depreciation and amortization</a></td>
<td class="nump">2,048,000<span></span>
</td>
<td class="nump">1,847,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationOfFinancingCostsAndDiscounts', window );">Amortization of debt issuance costs</a></td>
<td class="nump">96,000<span></span>
</td>
<td class="nump">93,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfPropertyPlantEquipment', window );">Loss on disposal of property and equipment</a></td>
<td class="nump">19,000<span></span>
</td>
<td class="nump">20,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock based compensation</a></td>
<td class="nump">949,000<span></span>
</td>
<td class="nump">412,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Deferred income taxes</a></td>
<td class="num">(1,119,000)<span></span>
</td>
<td class="nump">2,402,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_OriginationsOfFinancingReceivables', window );">Finance receivable originations</a></td>
<td class="num">(223,266,000)<span></span>
</td>
<td class="num">(222,024,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromCollectionOfFinanceReceivables', window );">Finance receivable collections</a></td>
<td class="nump">117,593,000<span></span>
</td>
<td class="nump">111,000,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet', window );">Accrued interest on finance receivables</a></td>
<td class="nump">303,000<span></span>
</td>
<td class="nump">3,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInInventories', window );">Inventory</a></td>
<td class="nump">23,068,000<span></span>
</td>
<td class="nump">18,937,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets', window );">Prepaid expenses and other assets</a></td>
<td class="nump">426,000<span></span>
</td>
<td class="num">(353,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities', window );">Accounts payable and accrued liabilities</a></td>
<td class="nump">775,000<span></span>
</td>
<td class="nump">3,362,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable', window );">Income taxes, net</a></td>
<td class="nump">586,000<span></span>
</td>
<td class="nump">1,064,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities', window );">Excess tax benefit from share based compensation</a></td>
<td class="num">(191,000)<span></span>
</td>
<td class="num">(544,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by operating activities</a></td>
<td class="nump">5,643,000<span></span>
</td>
<td class="nump">553,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>Investing Activities:</strong></a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment', window );">Purchase of property and equipment</a></td>
<td class="num">$ (2,922,000)<span></span>
</td>
<td class="num">(1,863,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment', window );">Proceeds from sale of property and equipment</a></td>
<td class="text"> <span></span>
</td>
<td class="nump">20,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash used in investing activities</a></td>
<td class="num">$ (2,922,000)<span></span>
</td>
<td class="num">(1,843,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>Financing Activities:</strong></a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions', window );">Exercise of stock options and warrants</a></td>
<td class="nump">245,000<span></span>
</td>
<td class="nump">1,545,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities', window );">Excess tax benefit from share based compensation</a></td>
<td class="nump">191,000<span></span>
</td>
<td class="nump">544,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfCommonStock', window );">Issuance of common stock</a></td>
<td class="nump">69,000<span></span>
</td>
<td class="nump">78,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Purchase of common stock</a></td>
<td class="num">(3,989,000)<span></span>
</td>
<td class="num">(10,277,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividends', window );">Dividend payments</a></td>
<td class="num">$ (20,000)<span></span>
</td>
<td class="num">(20,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDebtIssuanceCosts', window );">Debt issuance costs</a></td>
<td class="text"> <span></span>
</td>
<td class="num">(250,000)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromRepaymentsOfBankOverdrafts', window );">Change in cash overdrafts</a></td>
<td class="num">$ (360,000)<span></span>
</td>
<td class="num">(77,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromLinesOfCredit', window );">Proceeds from revolving credit facilities</a></td>
<td class="nump">170,341,000<span></span>
</td>
<td class="nump">178,690,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfLinesOfCredit', window );">Payments on revolving credit facilities</a></td>
<td class="num">(168,602,000)<span></span>
</td>
<td class="num">(168,975,000)<span></span>
</td>
</tr>
<tr class="rou">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by (used in) financing activities</a></td>
<td class="num">(2,125,000)<span></span>
</td>
<td class="nump">1,258,000<span></span>
</td>
</tr>
<tr class="reu">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Increase (decrease) in cash and cash equivalents</a></td>
<td class="nump">596,000<span></span>
</td>
<td class="num">(32,000)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents, beginning of period</a></td>
<td class="nump">790,000<span></span>
</td>
<td class="nump">289,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents, end of period</a></td>
<td class="nump">$ 1,386,000<span></span>
</td>
<td class="nump">$ 257,000<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_OriginationsOfFinancingReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the increase in financing receivables due to the origination of new finance receivables.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_OriginationsOfFinancingReceivables</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_crmt_PaymentProtectionPlanLosses">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The expense charged against earnings for the period pertaining to debt cancellation under the payment protection plan.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">crmt_PaymentProtectionPlanLosses</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>crmt_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationOfFinancingCostsAndDiscounts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of noncash expense included in interest expense to allocate debt discount and premium, and the costs to issue debt and obtain financing over the related debt instruments. Alternate captions include noncash interest expense.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_AmortizationOfFinancingCostsAndDiscounts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6506951<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=28358313&loc=d3e6676-107765<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3044-108585<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash Equivalents<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6507016<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsAtCarryingValue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of increase (decrease) in cash and cash equivalents. Cash and cash equivalents are the amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Includes effect from exchange rate changes.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 24<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 830<br><br><br><br> -SubTopic 230<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=49171198&loc=d3e33268-110906<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxExpenseBenefit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Deferred Tax Expense (or Benefit)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6510177<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 740<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 9<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.4-08.(h))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 740<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SAB TOPIC 6.I.7)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 6<br><br><br><br> -Section I<br><br><br><br> -Subsection 7<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DeferredIncomeTaxExpenseBenefit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepreciationDepletionAndAmortization">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate expense recognized in the current period that allocates the cost of tangible assets, intangible assets, or depleting assets to periods that benefit from use of the assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_DepreciationDepletionAndAmortization</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow from realized tax benefit related to deductible compensation cost reported on the entity's tax return for equity instruments in excess of the compensation cost for those instruments recognized for financial reporting purposes.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 24<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=32706628&loc=d3e11374-113907<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow for realized tax benefit related to deductible compensation cost reported on the entity's tax return for equity instruments in excess of the compensation cost for those instruments recognized for financial reporting purposes.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 718<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 24<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=32706628&loc=d3e11374-113907<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfPropertyPlantEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of gain (loss) on sale or disposal of property, plant and equipment assets, including oil and gas property and timber property.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_GainLossOnSaleOfPropertyPlantEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the reporting period in the amounts payable to vendors for goods and services received and the amount of obligations and expenses incurred but not paid.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInAccountsPayableAndAccruedLiabilities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the period in the amount due for taxes based on the reporting entity's earnings or attributable to the entity's income earning process (business presence) within a given jurisdiction.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the reporting period in the amount due from borrowers for interest payments.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInAccruedInterestReceivableNet</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInDeferredRevenue">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the reporting period, excluding the portion taken into income, in the liability reflecting revenue yet to be earned for which cash or other forms of consideration was received or recorded as a receivable.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInDeferredRevenue</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInInventories">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the reporting period in the aggregate value of all inventory held by the reporting entity, associated with underlying transactions that are classified as operating activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInInventories</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInOperatingCapitalAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The increase (decrease) during the reporting period in the value of prepaid expenses and other assets not separately disclosed in the statement of cash flows, for example, deferred expenses, intangible assets, or income taxes.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from financing activities, including discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 24<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 26<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3574-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInFinancingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from investing activities, including discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 24<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 26<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3574-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivities">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow (outflow) from operating activities, including discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 24<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 25<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3536-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_NetCashProvidedByUsedInOperatingActivities</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfCommonStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow to reacquire common stock during the period.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 15<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Financing Activities<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6513228<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsForRepurchaseOfCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDebtIssuanceCosts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow paid to third parties in connection with debt origination, which will be amortized over the remaining maturity period of the associated long-term debt.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 15<br><br><br><br> -Subparagraph (e)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3291-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsOfDebtIssuanceCosts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividends">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cash outflow in the form of capital distributions and dividends to common shareholders, preferred shareholders and noncontrolling interests.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Financing Activities<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 15<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3291-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsOfDividends</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Investing Activities<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph (c)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3213-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PaymentsToAcquirePropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromCollectionOfFinanceReceivables">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow associated with the collection of receivables arising from the financing of goods and services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromCollectionOfFinanceReceivables</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromIssuanceOfCommonStock">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from the additional capital contribution to the entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Financing Activities<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3255-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromIssuanceOfCommonStock</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The total cash inflow associated with the amount received from holders to acquire the entity's shares under incentive and share awards, including stock option exercises. This item inherently excludes any excess tax benefit, which the entity may have realized and reported separately.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3255-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Financing Activities<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6513228<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromLinesOfCredit">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash inflow from contractual arrangement with the lender, including but not limited to, letter of credit, standby letter of credit and revolving credit arrangements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Financing Activities<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3255-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.4-08.(f))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromLinesOfCredit</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromRepaymentsOfBankOverdrafts">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The net cash inflow or outflow from the excess drawing from an existing cash balance, which will be honored by the bank but reflected as a loan to the drawer.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 8<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3095-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 9<br><br><br><br> -Subparagraph (c)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3098-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Financing Activities<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6513228<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromRepaymentsOfBankOverdrafts</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The cash inflow from the sale of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 12<br><br><br><br> -Subparagraph (c)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3179-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Investing Activities<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6516133<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>debit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProfitLoss">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The consolidated profit or loss for the period, net of income taxes, including the portion attributable to the noncontrolling interest.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 19<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=51664549&loc=SL4569616-111683<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 4K<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=35736750&loc=SL4591552-111686<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1A<br><br><br><br> -Subparagraph (a),(c)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=18733093&loc=SL4573702-111684<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 4J<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=35736750&loc=SL4591551-111686<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_ProfitLoss</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>us-gaap_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>credit</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLossesExpensed">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of expense related to loss from loan transactions.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.11)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882<br><br><br><br></p></div>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of cash outflow for payment of an obligation from a lender, including but not limited to, letter of credit, standby letter of credit and revolving credit arrangements.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 15<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Financing Activities<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6513228<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.4-08.(f))<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_RepaymentsOfLinesOfCredit</td>
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<td><strong> Data Type:</strong></td>
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<td><strong> Balance Type:</strong></td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=56944662&loc=d3e3602-108585<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227717486448">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note E - Accrued Liabilities<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureTextBlockAbstract', window );"><strong>Notes to Financial Statements</strong></a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilitiesDisclosureTextBlock', window );">Other Liabilities Disclosure [Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"><div style="display: inline; font-weight: bold;">E – Accrued Liabilities</div></div> <div style=" FONT-SIZE: 10pt; TEXT-ALIGN: justify; MARGIN: 0px"> </div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px; TEXT-INDENT: 9pt">A summary of accrued liabilities is as follows:</div> <div style=" FONT-SIZE: 10pt; MARGIN: 0px; TEXT-INDENT: 9pt"> </div> <div style=" FONT-SIZE: 10pt; COLOR: red; TEXT-ALIGN: center; MARGIN: 0px; TEXT-INDENT: 9pt"><div style="display: inline; font-weight: bold;"></div></div> <div> <table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">April 30, 2015</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%; TEXT-ALIGN: left">Employee compensation</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">3,783</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">3,954</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Cash overdrafts (see Note B)</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1,227</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1,587</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Deferred sales tax (see Note B)</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,773</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,762</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt">Other</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">4,521</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">4,405</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">Total</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">12,304</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">12,708</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> </tr> </table> </div></div><span></span>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The entire disclosure for other liabilities.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.20,24)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br></p></div>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227702326992">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note A - Organization and Business (Details Textual)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_crmt_NumberOfOperatingSubsidiaries', window );">Number of Operating Subsidiaries</a></td>
<td class="nump">2<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NumberOfStores', window );">Number of Stores</a></td>
<td class="nump">145<span></span>
</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Number of operating subsidiaries that the entity has.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Represents the number of stores.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227711776640">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Note D - Property and Equipment (Details) - USD ($)<br> $ in Thousands</strong></div></th>
<th class="th"><div>Oct. 31, 2015</div></th>
<th class="th"><div>Apr. 30, 2015</div></th>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LandMember', window );">Land [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Property and equipment</a></td>
<td class="nump">$ 6,245<span></span>
</td>
<td class="nump">$ 6,245<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingAndBuildingImprovementsMember', window );">Building and Building Improvements [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Property and equipment</a></td>
<td class="nump">11,661<span></span>
</td>
<td class="nump">11,509<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=crmt_FurnitureFixturesAndEquipmentMember', window );">Furniture, Fixtures and Equipment [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Property and equipment</a></td>
<td class="nump">13,838<span></span>
</td>
<td class="nump">13,486<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_LeaseholdImprovementsMember', window );">Leasehold Improvements [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Property and equipment</a></td>
<td class="nump">21,891<span></span>
</td>
<td class="nump">21,023<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_ConstructionInProgressMember', window );">Construction in Progress [Member]</a></td>
<td class="text"> <span></span>
</td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Property and equipment</a></td>
<td class="nump">2,240<span></span>
</td>
<td class="nump">1,235<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment', window );">Less accumulated depreciation and amortization</a></td>
<td class="num">(21,057)<span></span>
</td>
<td class="num">(19,535)<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Total</a></td>
<td class="nump">$ 34,818<span></span>
</td>
<td class="nump">$ 33,963<span></span>
</td>
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<div style="display: none;">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount of accumulated depreciation, depletion and amortization for physical assets used in the normal conduct of business to produce goods and services.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (c)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.14)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount before accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph a<br><br><br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 8<br><br><br><br> -Article 7<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingAndBuildingImprovementsMember</td>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
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<td><strong> Name:</strong></td>
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<td>na</td>
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<span style="display: none;">v3.3.0.814</span><table class="report" border="0" cellspacing="2" id="idm140227711007904">
<tr>
<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Note D - Property and Equipment (Tables)<br></strong></div></th>
<th class="th" colspan="1">6 Months Ended</th>
</tr>
<tr><th class="th"><div>Oct. 31, 2015</div></th></tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TableTextBlock', window );"><strong>Notes Tables</strong></a></td>
<td class="text"> <span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentTextBlock', window );">Property, Plant and Equipment [Table Text Block]</a></td>
<td class="text"><div style="display: inline; font-family: times new roman; font-size: 10pt"><table style="TEXT-INDENT: 0;WIDTH: 100%; BORDER-COLLAPSE: collapse;; width: 700px;" cellpadding="0" cellspacing="0"> <tr style="VERTICAL-ALIGN: bottom"> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; FONT-STYLE: italic">(In thousands)</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3" nowrap="nowrap">October 31, 2015</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" colspan="3">April 30, 2015</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; WIDTH: 74%">Land</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">6,245</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%"> </td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; WIDTH: 10%; TEXT-ALIGN: right">6,245</td> <td style="FONT-SIZE: 10pt; WIDTH: 1%; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Buildings and improvements</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,661</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">11,509</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Furniture, fixtures and equipment</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">13,838</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">13,486</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Leasehold improvements</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">21,891</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">21,023</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left">Construction in progress</td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">2,240</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: right">1,235</td> <td style="FONT-SIZE: 10pt; TEXT-ALIGN: left"> </td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: white"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt; TEXT-ALIGN: left">Less accumulated depreciation and amortization</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(21,057</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 1pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: right">(19,535</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: left">)</td> </tr> <tr style="VERTICAL-ALIGN: bottom; BACKGROUND-COLOR: rgb(204,238,255)"> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt">Total</td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">34,818</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> <td style="FONT-SIZE: 10pt; PADDING-BOTTOM: 2.25pt"> </td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left">$</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: right">33,963</td> <td style="FONT-SIZE: 10pt; BORDER-BOTTOM: black 2.25pt double; TEXT-ALIGN: left"> </td> </tr> </table></div><span></span>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Tabular disclosure of physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, balances by class of assets, depreciation and depletion expense and method used, including composite depreciation, and accumulated deprecation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph b<br><br><br><br> -Article 5<br><br><br><br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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